Legal Matters

Do You Have Enough Automobile Insurance Coverage?

Take the Time to Check

You probably have automobile insurance, but do you understand the basics of your policy? The first step in reviewing your automobile insurance policy is to request a copy of the Declaration’s Page which contains details unique to your specific policy. It will list all members, drivers and automobiles on your policy as well as the policy number and the duration of your policy. It also contains the type of coverage purchased, policy limits and deductibles. It is important to review this material for accuracy and become familiar with your policy.

Uninsured or Underinsured Motorist Coverage is available on your personal automobile and can also be applicable if you reside in a household with someone who has that coverage on their automobile. This insurance is applicable when the at fault party who caused the accident either has no insurance or does not have enough insurance to fully compensate the injured party. In Alabama, uninsured motorist coverage is mandatory on your policy unless you specifically reject it in writing when you take out your policy. You should never reject it. It is one of the cheapest coverages on your policy and is highly recommended to protect yourself from uninsured or underinsured drivers.

There are normally three choices for this coverage. They are 25/50, 50/100 and 100/300. Be sure to check with your agent on rates for all three. The higher coverage is usually not much more money. A large percentage of Alabamians have no insurance at all so it is very important that you carry the most you can on your policy to cover uninsured motorists in case of an accident.

Frank S. Buck, P.C., Attorneys at Law have been offering professional legal services and serving Alabama citizens for over 40 years. We have experienced trial attorneys who have over 89 years of combined trial experience. You can reach us 24 hours a day at (205) 933-7533. Please call us for a free consultation.