A recent study reports that 1 in 4 drivers in Alabama are uninsured, despite the State requiring all drivers to maintain minimum liability coverage. This translates into a 25% chance that if you are involved in a wreck, the other driver will have no insurance coverage. This is a shocking statistic that shows the importance of having uninsured motorist coverage.
The uninsured driver may receive a fine for not having auto insurance, but that does not address any medical bills you have resulting from a wreck that was not your fault.
This is where uninsured motorist coverage comes into play. It is insurance against being hit by someone who has no insurance.
Under both Alabama and Georgia law, an insurer is required to offer you uninsured motorist coverage. You must expressly reject such coverage in writing. In our experience, many individuals do not understand what exactly they are rejecting when they reject uninsured motorist coverage. Others simply focus on the premium amount and ask for the bare minimum, otherwise known as “full coverage,” of liability only.
Uninsured motorist coverage is an absolute essential for anyone driving on the roads of Alabama or Georgia. It is well worth the small amount extra you will pay for your premium to have this coverage. If you have been hurt in an accident that was not your fault, the attorneys at Gary Bruce, P.C. can help you navigate the issues of insurance coverage. Feel free to give us a call for a free consultation.
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