Even though the state of Alabama requires all driver’s to be covered by insurance, this is not always the case. If you are in a car accident and the other driver does not have insurance, you might need these helpful tips to make sure you get coverage for your injuries and damages.
Call the Police.
In any instance of a collision, you will want to call the police and file a police report. The police will document the specifics of the accident which you will need later when you file your claim.
Exchange Information with the Other Driver.
Usually in the State of Alabama, the police officer will require each driver to complete a form asking for all pertinent information, such as the driver’s name, contact, license number, plate number, etc. If the police officer does not, you should gather as much information from the other driver as possible.
Notify Your Insurance Company.
According to Alabama’s Uninsured Motorist Law, every insurance policy includes uninsured motorist coverage. You need to file a claim with your insurance company under your uninsured motorist coverage. Be sure to file soon after the collision happens to ensure your insurance company will cover the event. Some insurance companies have a time limit set between the time of the accident and how long you have to file. If you miss the time limit, you might not get coverage.
If you are afraid of making a claim on your insurance because you are afraid of premiums going up on your coverage, usually this does not happen. If the accident is not your fault and you do not have a previous history of having a number of collisions, your premium should not be affected.
How It Works.
Usually in an accident, the guilty party’s insurance is required to cover your expenses. In the case the guilty driver does not have coverage, your uninsured motorist coverage fills in the gap to cover your medical bills and other damages. If you are unsure of the complete uninsured motorist coverage you have, check with your insurance provider. Usually, the coverage is for family members involved in the collision as well.
If you believe you are not being fully covered correctly, an experienced injury attorney can review your policy and help find other forms of coverage needed.