Archive for Insurance

Automobile insurance is not a suggestion, it is a requirement!

Automobile insurance is not a suggestion, it is a requirement enforced by Alabama law.  Alabama ranks as the 6th worst state in uninsured motorists.  At a minimum, you must maintain liability insurance in accordance with the minimum liability requirements.

According to the Code of Alabama (1975), §32-7-6, the minimum liability requirements are outlined as follows:

“…every policy or bond is subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars ($25,000) because of bodily injury to or death to one person in any one accident and subject to the limit for one person, to a limit of not less than fifty thousand dollars ($50,000) because of bodily injury to or death of two or more persons in any one accident, and, if the accident has resulted in injury to or destruction of property, to a limit of not less than twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident.”

It is a requirement to have the minimum coverage, but highly recommended to have higher limits as damages can add up quickly in an accident.  Not having insurance on a vehicle you are driving is not only illegal, it can be cause for a lawsuit against you if you are in an accident.  If you are hit by someone who is not insured, it is important that you have uninsured/underinsured motorist coverage on your existing policy. This protects you from possibly not being able to recover damages you suffered as a result of the accident.

Underinsured Motorists Are Spooky!

Most of our readers know that our work often involves helping people injured in auto wrecks.  We often get a puzzled face as a response when we ask, “How much UM coverage do you have?”  Often, clients do not even know that UM/UIM is Uninsured/Underinsured Motorist Coverage.  These are benefits on your auto policy that serve to protect you when a driver hits you and either doesn’t have enough insurance or has none at all. Once you have been hit, there is nothing we can do after the fact to add coverage.  Here are steps to take to protect your family:

  1. Get a copy of your automobile insurance declarations page.
  2. Talk to your insurance agent about your coverage and ask tough questions about what happens if someone hurts you and has no insurance. 
  3. Call us.  We will review your declarations page free of charge to make sure you are protected.

As always, it is our privilege and pleasure to serve you.