Automobile InsuranceMcCutcheon and Hamner have developed a personal injury law practice that consists almost exclusively of suing insurance companies for personal injury. We often are asked questions about different types of automobile insurance. Many people are unsure about what their vehicle insurance covers and what triggers that coverage. The following is a list of common automobile insurance coverages.
liability coverage for another person or automobile damaged as a result of your carelessness. Liabillity coverage is purchased for a specific car and that coverage generally follows that car. Liability Insurance coverage is mandatory in Alabama. If you have liability coverage only and the other automobile driver either disputes who was at fault or is uninsured it will be difficult to have your car repaired in a timely fashion. No one will pay for you to rent a car and if you dont get your car out of storage,you will be charged a daily fee that adds up quickly.
Collision coverage is insurance to repair your car if you collide with another object whether or not it is your fault. Often our clients will have collision coverage and a car damaged through someone else’s carelessness and if that person has no insurance,or their insurance disputes or "investigates",then your collision will pay to have your car repaired. With collision insurance you can force your automobile insurance company to pay for your car to be repaired no matter who was at fault. You will have to pay your deductible but they will have to fix your car and get their money back from the other side.
Comprehensive coverage is similar to collision and covers your car in the event of fire, theft, glass breakage regardless of fault.
Uninsured Motorist Insurance
Uninsured motorist coverage follows both the car and driver for personal injury. In other words,if an uninsured driver injures you or someone in your car and you have uninsured motorist coverage then that coverage would pay for your medical bills, pain and suffering, loss of wages, etc. If you are in someone’s else’s car and they have uninsured motorist coverage and you are injured by a uninsured driver then you are covered from the car you are in and if you and your spouse have two cars at home,then you have two more uninsured motorist coverages available to you depending on the severity of the injuries, for a total of three policies, usually for $20,000 each.
Medical Payment Insurance
Medical payment coverage is coverage fro your medical bills arising out of the use of the insured automobile without regard to fault for the occupants of the insured vehicle. Medical payment coverage is typically purchased in increments of $1,000, $5,000 and $10,000. Medical payment coverage was originally designed to pay health insurance deductibles and out of pocket expenses, however, hospitals now want to know not only who your health insurance coverage is with, they now want to know who your automobile insurance is with. They will billd this coverage dry. If you have health insurance coverage, don't tell the hospital who your car insurance is with so you can use your medical payment coverage for deductibles and other out of pocket expenses.