There are certain things you can do to protect yourself and your interests if you are involved in an automobile accident.
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Get in a wreck with driver without proper insurance coverage? Not sure of your next step? A experienced personal injury lawyer like Joel or I can lend a hand. This page talks about your legal options, how to make a claim, and how a lawyer can be a big help in righting wrongs.
Alabama law sets minimum required auto insurance coverage. You must have coverage of $25,000 for bodily harm per person, $50,000 for total bodily harm per wreck, and $25,000 for property damage. This law helps protect folks who get hurt in car wrecks. And it shows how important good coverage is.
Uninsured motorist put good citizens and drivers at risk. It also shows why having uninsured motorist coverage matters. Without it, you might have to pay for a wreck you didn’t cause.
Car wrecks happen in Alabama almost once every four minutes. That means that someone is hit by an uninsured driver almost every 28 minutes. That’s a pretty serious problem.
Folks without insurance cause trouble for everyone in a wreck. Bodily injuries, medical bills, and missed paychecks can drain your insurance coverage fast. And those without insurance can end up with big bills they have to pay themselves after a wreck.
Car wrecks don’t just hit your wallet right away. They can drain your savings for years, burdening you and your loved ones. Society also pays a hefty price through emergency services and higher insurance premiums. That’s why it’s smart to carry uninsured motorist insurance just in case..
Uninsured motorist coverage, or UM coverage for short, is a key piece of your car insurance. It steps in when the driver who caused the wreck doesn’t have enough or any insurance. This coverage doesn’t cost much but can save you from a financial mess. In Alabama, UM coverage sticks with you, not your car. This means it covers you no matter what car you’re driving. There’s also underinsured motorist coverage. This gives you extra help if the at-fault driver’s insurance isn’t enough. If you get in a wreck with an uninsured or underinsured driver, having this coverage can be a lifesaver.
UM coverage is there for you and your kin living under the same roof. If a driver without insurance hurts you, your UM coverage steps up. It covers the costs. Most times, the UM coverage equals your liability coverage. But if you want more security, you can buy more.
Uninsured motorist coverage protects you when the other driver’s insurance falls short. It fills the gap, protecting your financial security and giving you peace of mind.
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After a car wreck, you might feel overwhelmed. But taking the right steps can make things easier down the line. First, check everyone’s okay and call for help. Collect info from everyone involved, especially if there’s an uninsured driver. A police report can be a big help when it’s time to file a claim about an uninsured driver. It gives an impartial record of what happened.
Once you’ve gathered all the needed details, reach out to your insurance folks to lodge the claim. They’ll take a good look at your paperwork and might ask for a doctor’s visit to check on your injuries. Stay in touch with your insurance folks all through this time. Keep a tidy stack of all your paperwork – it can help make the claims process less of a headache.
When another driver won’t admit they’re at fault, especially if they’re uninsured, things can get tricky. That’s when you need a lawyer with years of experience. We can guide you through these difficult cases, stop you from saying things that might hurt your case, and lay out your choices based on what happened to you.
Knowing when to file car accident claims in Alabama can help save your right to get paid. Under Alabama law, you have two years from the accident date to file a personal injury lawsuit. If you don’t file on time, the court will probably toss out your claim, blocking any chance to get compensation for injuries and losses.
The two-year rule has some exceptions. If a wrongful death occurred or the injured party is under age, the timeline can be extended.
Choosing to file a lawsuit against a driver without insurance needs careful thinking. There are several things to consider:
If your injuries and losses are serious, seeking legal help could be worth it.
A winning lawsuit can help you get paid for doctor bills, money lost from not working, and your hardship.
If the uninsured driver is broke, getting your damages paid might be tough.
Fixing or getting a new car after a wreck can cost more than what basic insurance covers. This can hit your wallet hard. A lawsuit might take time and can be tough on you. For some people, settling fast could be the better choice. Solid proof like police reports and doctor’s notes can help you win a case against a driver without insurance.
A sharp injury lawyer will know the value of your claim, and will consider all possible costs involved. Knowing this will help you decide if you should proceed with legal action.
You’ll gain a lot by hiring a seasoned lawyer after an accident with an uninsured driver. Good lawyers know how to negotiate and can improve your chances of a fair deal. They’ll collect strong evidence and find witnesses who saw what happened to help boost your claim for payback.
We focus on making our clients happy by managing their cases well. If we have to go to court, a lawyer from our team will stand up for you against legal teams employed by insurance companies. Having dealt with many cases like this, we are good at getting results in mediation and court.
We stand proud of our past victories, with many winning settlements in the six and seven-figure range. Our goal? Simple. We fight to win for you and provide top-notch service.
We offer free consultations so people can understand their legal rights without spending a dime. We get paid only if we win your case. This way, no matter what’s in your wallet, you can get top-notch legal representation.
We’ve won big settlements for many folks, with many multimillion dollar verdicts. People are often surprised by how much we can get for them. We’re dedicated to getting the most we can for you.
We will handle your case with the highest level of skill, care, and integrity.
Reviews from people like you help web users know we’re a law firm they can trust.
A lot of good folks have very nice things to say about us. They trust us and we don’t let them down. Pick us and you will actually be in good hands. We’ll work hard and won’t disappoint.
We know legal fees can be heavy. That’s why we don’t charge you to talk about your car wreck and injuries. Joel and I are here for you, day and night. So you can get the help you need, when you need it.
We work on a no-win, no-fee basis. If we don’t win your case, you don’t pay a dime. This way, we can help everyone, no matter their financial situation.
Had a wreck with a driver doesn’t have insurance? Call us, we can chat for free to see what’s going on, and it won’t cost you a anything.
In our talks, we break down your options and what might happen next. We’ll guide you through the law in plain terms. We’re here to clear up your rights and the best path for your unique situation.
Car wrecks cost more than just fixing your car and doctor bills. In 2019, car crashes cost us all about $340 billion. Folks without enough insurance add to this financial burden that hurts everyone.
A car wreck with an uninsured driver could leave you with hefty bills. You may face medical costs, lost pay, and damage to your property. Worse yet, if a loved one is killed in such an accident, you’ll suffer heartache, funeral expenses, lost earnings, and a void in your home support system.
Fixing or getting a new car after a wreck can cost a lot. It’s hard for folks to pay that on top of all the other bills from a crash.
Car wrecks can leave you with medical bills that climb into the tens of thousands. Treatment, getting back on your feet, and continued care add up. A regular hospital stay after a wreck can set you back thousands, hitting your financial security hard.
Serious injuries may require a lot of healing time, and that can mean big doctor bills. The cost of getting better after a bad car wreck can grow fast, especially if you need longterm care.
Car wrecks might mean you can’t work. In bad cases, you could lose your ability to earn money for good. If you’re hurt and can’t work, your overall income suffers. We will work to fix that.
Car wrecks can cause serious damage to your vehicle. Fixing it or buying a new one can cost a lot of money. Sometimes, it’s even thousands of dollars. This can put a heavy burden on your finances.
Good uninsured motorist coverage can cover your costs. You won’t have to bear these expenses by yourself.
Stacking uninsured motorist coverage can help Alabama drivers. This lets you add coverage from several vehicles to get more money. Say, if you cover three vehicles for $100,000 each, stacking can give you a total of $300,000 in benefits.
In Alabama, the law lets you add up to two extra coverages on top of your main one if you’ve got insurance for multiple vehicles. This can give you more help and a bigger safety net if you get into a wreck with a driver who doesn’t have enough insurance, or none at all.
After a wreck with an uninsured driver, things can get tough. But knowing about your insurance and legal rights can help a lot. Coverage for uninsured drivers is key to protecting your bank account. Chatting with an experienced lawyer can help sort out the tricky bits of filing claims and getting paid. Here at our McCutcheon & Hamner we strive to give top-notch service and win cases for our clients. Call us today for a free chat and start on the road to financial security after your wreck.
We use your coverage and fight for every dollar.
Speed helps us protect your claim.
I deal with your insurer directly.
You won’t be left waiting.
You’re owed more.
Your pain counts.
Nothing gets overlooked.
You focus on getting better.
Your income matters.
You won’t pay alone.
We plan ahead.
You’ve got nothing to lose.
No confusion—just answers.
You can trust me too.
They don’t get away with it.
That’s my promise.
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In Alabama, the law asks for at least $25,000 coverage for each person hurt, $50,000 for all injuries in one wreck, and $25,000 for damaged property. You need this coverage to follow our state’s rules.
In Alabama, we’ve got a lot of folks driving without insurance. About one in five drivers, to be exact. That puts us near the top of the list for uninsured drivers.
Yes. Even if you feel fine, injuries like whiplash, concussions, or internal injuries may not show symptoms immediately. Seeking medical attention promptly can protect your health and strengthen your case.
There are certain things you can do to protect yourself and your interests if you are involved in an automobile accident.
Injured in an accident? Using your health insurance can increase your personal injury recovery. Learn why it’s the smart financial move.
Injured in a Huntsville car accident? Learn where accidents happen most and why a local car accident lawyer can help you recover
Being unprepared can cause major frustrations and can easily lead to mistakes with your case.