What happens if I’m in an accident with someone who does not have insurance?


Ted Mann – When you purchase automobile insurance coverage, you are buying what is called uninsured motorist coverage or underinsured motorist coverage. Unless you specifically reject it in writing it is going to be part of your insurance policy. In many instances, we see cases where clients end up having to sue their own insurance company to recover for the protection that they purchased to provide a monetary fund in the event you’re hit by someone who is not responsible by having their own insurance coverage.

Robert Potter – So you can still get money even though someone else that hit you is responsible and did not have any insurance.

Ted Mann – Yes. If you prove that you’re legally entitled to recover against the defendant who caused the wreck, you are entitled to then recover against your own insurance company, up to the limits of your uninsured motorist protection that you paid for.

Robert Potter – And that is required by Alabama law for every motorist in the state.