According the Insurance Research Council, 1 out of every 7 drivers in the United States is uninsured. While it is illegal to drive in Alabama without liability insurance, experience shows that there are countless drivers on the road who are either driving without insurance or without adequate insurance. This means that if they cause an accident that results in injuries to you or your family, they many not be able to compensate you. Unless you take steps to protect yourself and your family, you may get stuck paying for bills following a car accident, even when another driver is clearly at fault.
One inexpensive way to protect yourself from an uninsured or underinsured driver is to obtain what is called "uninsured motorist" coverage (UM), which will cover you and your passengers for things such as:
- Medical Expenses
- Pain and Suffering
- Lost Wages
You should ask your insurance agent about the cost of an uninsured motorist policy, which is generally negligible compared to the protection provided. There are plenty of helpful websites where you can learn more about these policies and also compare quotes. https://www.dmv.org/al-alabama/car-insurance.php. Obtaining this additional insurance will help protect you and your family in the event of a crash.