Getting the Most from UM Coverage

In Alabama , UM coverage (underinsured/uninsured motorist) is stackable up to three vehicles per policy of insurance. If you have more than one policy, then you can stack up to a maximum of three vehicles for each policy. However, you do not have to be a named insured on a policy to be a covered person for UM purposes under that policy.

For example, you are by definition a covered person under the policy of insurance for any vehicle in which you are either a driver or passenger. Another example is household residence, making you a covered person by definition for any vehicle insured by a household resident.  -Greg Harrelson (205)912-8251