Even the most careful drivers sometimes find themselves involved in fender benders. While all accidents – even minor ones – cause emotional and financial stress – getting hit by an uninsured or underinsured driver can create even more problems. Insurance is key to protecting yourself from uninsured drivers and underinsured drivers.
Uninsured Drivers and Underinsured Drivers in Alabama
Under Alabama law, all drivers must have auto insurance. Currently, the minimum coverage requirements under the law are $25,000 for property damage, $25,000 for bodily injury per person, and $50,000 for bodily injury per accident.
An uninsured driver, just as the term says, is someone who drives a car without any form of insurance. Sadly, Alabama’s percentage of uninsured drivers is one of the highest in the nation. In 2015, insurance industry studies found that 18.4% of Alabamans drove without car insurance. This percentage makes Alabama one of the nation’s top ten states for uninsured drivers.
An underinsured driver has an insurance policy. However, this person’s policy usually provides the minimum coverage required by law and nothing more.