07/12/2026
That gap is what uninsured and underinsured motorist coverage exists for. UM pays when the at-fault driver has no insurance. UIM pays when they have some, but not enough. Both live on your own policy, and both protect you and your family, not the other driver.
Two things many Alabama drivers don’t know. Insurers here must offer this coverage, and rejecting it has to be done in writing. And depending on your policy, Alabama law may allow you to stack coverage from more than one vehicle, which can matter a great deal after a serious crash.
Check your declarations page this week. If UM and UIM are missing or set at the minimum, ask your agent what raising them costs. It is often one of the least expensive lines on the policy.
If you’ve already been hurt in a crash and aren’t sure what coverage applies, we can help you understand your options.
Visit https://alabamatruckcrash.com or call 205-791-7890 to schedule a consultation.
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