In the state of Alabama it is against the law to operate a motor vehicle without liability insurance. According to the Insurance Research Council (IRC), 13.8% of all motor vehicles in the United States have no liability insurance. What happens if you are injured by one of these vehicles?
In Alabama you carry on your own automobile insurance what is known as Uninsured Motorist Coverage (UM). This is an automatic coverage on all motor vehicles insured in Alabama. Basically, you pay a small premium to cover yourself and others in the event you are injured by an uninsured motorist. You don’t even have to be injured in your own vehicle to use this coverage. Remember, you pay an additional premium for this coverage, so use it. PBK (205)912-8245
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