Have you ever wondered how much car insurance coverage you really need?
Alabama law requires that drivers carry a certain amount of auto insurance for their registered vehicles. But is that minimum coverage enough?
Think about it: Alabama only requires you to have liability coverage of $25,000 per person or $50,000 per accident for bodily injury or death. If a car accident causes serious injuries, though, the medical bills involved can easily be much, much more than that.
If you don’t have good liability coverage and are in a car accident that’s your fault then you can end up paying out of your own pocket for the other driver’s medical bills, property damage, and lost wages.
So, your best bet is to buy as much insurance as you can reasonably afford.
Most experts recommend people should have bodily injury coverage of at least $100,000 per person or $300,000 per accident and property damage coverage limits of $100,000.00. If you can afford more coverage than that you should strongly consider buying it to give your assets even more protection.
The same is true for your uninsured/underinsured motorist coverage. Since as many as 1 in 8 drivers are uninsured UM/UIM policies are crucial. This is particularly true in Alabama: the Insurance Information Institute ranks our state as #6 on its list of highest percentage of uninsured drivers!
The good news is that UM/UIM policies are relatively cheap. Many insurers will add UM/UIM coverage to your policy for only a few dollars a month.
Car insurance can be complicated. Even if you buy the right policies you may still need help after an accident to make sure you receive the benefits of those policies.
You want an experienced personal injury lawyer on your side fighting for the compensation you deserve.
Call us today at 205-553-5353, or come by our office in Tuscaloosa, and let us get started working for you.