What Happens When The Other Driver Isn’t Insured Or Can’t Cover Your Losses?

An accident resulting in bodily injury is bad enough. When the other party involved in the accident does not have insurance, things can become more complicated. That is why it is important to have an uninsured motorist or underinsured motorist (UM/UIM) policy.

UM and UIM coverage allows an individual to make a recovery for damages from the crash from his or her own insurance company. These damages include medical expenses, lost wages, and pain and suffering. This occurs when the person liable for the accident does not have auto insurance or has an insurance policy that does not cover all your expenses.

Your Own Insurer May Compensate You For Your Injuries

The Mims Firm, P.C., provides personal injury representation to individuals, families and businesses. We serve clients in and around Mobile, Daphne and throughout South Alabama. If you were involved in an accident with an uninsured or underinsured motorist, we can help.

Since 1985, our lawyers have been working to collect damages for our clients in personal injury cases involving car wrecks, truck accidents and motorcycle accidents. We will use our legal experience and knowledge of insurance policies to fight for the best results possible in your case.

Alabama’s uninsured motorist law provides drivers with the ability to stack coverage from different policies. But be careful, because if you settle with a liability carrier without first obtaining the consent of your uninsured motorist carrier, you risk waiving your uninsured motorist benefits. We can help you avoid common mistakes made in these situations, thereby better ensuring that you collect all the compensation you are entitled to.

Contact Our Attorneys to Discuss Your Case

It is important to speak with knowledgeable lawyers when you are involved in an accident with an uninsured or underinsured motorist. We handle all personal injury cases on a contingency fee basis, meaning there are no fees unless we win.

For more information, contact us online or call 866-748-2962 to schedule a free consultation.