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

What If You Are Injured By Someone Who Does Not Have Insurance?

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