Uninsured Motorist Accident Attorney in Birmingham, AL
If you have been injured in a car accident caused by an uninsured driver, you may have questions about paying your medical bills and whether you’ll be able to recover compensation for your losses. You need clear answers to your questions. An uninsured motorist accident attorney with Collins Law, LLC, can help.
A knowledgeable car accident lawyer can review the auto insurance available to cover your accident and explain your legal rights after an accident with an uninsured or underinsured driver. If the at-fault driver has no liability insurance or insufficient coverage, you may need to file a claim with your own insurance company if you have UM/UIM coverage. Being involved in an accident with an uninsured driver adds extra stress to an already difficult situation, but you don’t have to go through it alone. Our law firm can manage the details of your claim while you focus on healing.
Contact our law office today to arrange a free initial consultation with a skilled uninsured motorist accident attorney.
Why Choose Our Uninsured Motorist Lawyers?
When you are facing the aftermath of a collision with an uninsured motorist, you need trusted legal guidance based on experience. Collins Law, LLC, is ready to provide the dedicated legal support and personalized attention you need.
Here’s why so many injured individuals in Birmingham have turned to our experienced injury attorneys for help:
- We focus exclusively on personal injury cases
- We are a Black-owned law firm that has been serving the area for more than 10 years
- We take a compassionate approach to working with people who are hurting due to others’ carelessness or lack of responsibility
- We charge no fees for legal representation unless we recover compensation for the client.
- Our services continue past the settlement or verdict. We also negotiate with hospitals and medical providers to reduce your medical expenses.
Is Uninsured and Underinsured Motorist Insurance Required in Alabama?
Alabama law requires auto insurance companies to include uninsured motorist coverage in motor vehicle liability policies unless you decline it. In other words, your car insurance policy includes this type of protection unless you reject[AZ1] it in writing. Alabama law treats certain underinsured driver situations similarly, including cases where the at-fault driver’s liability coverage limits are too low to cover your losses.
Having uninsured motorist coverage is extremely important after a serious crash. Even if the other driver broke the law by driving without car insurance coverage, your own policy may offer the most efficient path to seeking compensation for your medical bills, lost wages, pain and suffering, and other losses.
Who Pays When You Are Hit by an Uninsured Driver?
The at-fault driver is legally responsible for the harm they cause, regardless of whether they are insured. The problem is that many uninsured motorists lack the financial resources to cover an injured person’s losses.
Even if an uninsured motorist loaned their car to someone else, they are still responsible because the insurance policy follows the vehicle, rather than the driver, so the uninsured owner would still be liable. In this case, your own uninsured motorist coverage would likely be the most plausible way to pursue compensation after a collision with an uninsured driver.
Depending on your auto policy and the facts of the crash, you may be able to file an uninsured motorist accident claim with your own insurance company. If your own insurer disputes the value of your claim, an uninsured motorist accident attorney can negotiate with the insurer and fight for fair compensation. If you have optional collision coverage, it may pay for your car repairs.
Is It Worth Suing an Uninsured or Underinsured Driver?
Suing an uninsured or underinsured motorist may be an option after a crash, but it’s not always the most effective way to pursue compensation. If the driver doesn’t have enough coverage, they may also lack the personal assets needed to pay a judgment. This means that even if you file an uninsured motorist lawsuit and prevail in court, you may have difficulty recovering the money you are owed.
In many cases, filing an uninsured or underinsured motorist claim through your own insurance policy may provide the best path forward. A Birmingham car accident attorney can review the at-fault driver’s insurance coverage and liability limits, your own UM coverage, and the value of your losses to determine which legal approach offers you the strongest chance of recovery.
Can I Sue an Uninsured Motorist?
You may have a right to file an uninsured motorist lawsuit against the other driver if they caused the accident that injured you. A lawsuit allows you to seek compensation directly from the uninsured driver for the various financial and personal losses resulting from the collision. However, whether filing a lawsuit makes financial sense will depend on the driver’s ability to pay.
Before deciding what to do, you should take advantage of a free consultation and discuss your options with a Birmingham uninsured motorist accident attorney. An attorney can review the crash, identify available insurance coverage, look into the at-fault driver’s assets, and explain your options. In some cases, filing a claim under your own uninsured motorist policy may be more practical than pursuing the driver directly.
How Long Does It Take to Settle an Uninsured Motorist Claim?
The timeline for resolving an uninsured motorist claim varies from one case to another. Some claims settle in a few weeks or months, while others take longer. Several factors can affect how long your claim takes, including:
- The severity of your injuries
- The length of your medical treatment
- Whether the insurance company accepts or disputes liability
- The amount of uninsured or underinsured motorist coverage available
- The strength of the evidence supporting your claim
- Whether the insurer makes a fair settlement offer
An experienced Birmingham uninsured motorist accident attorney can handle all communications with your insurer and the other driver’s insurance company and keep you informed of the status of your claim. A skilled attorney can push back against attempts by an insurer to undervalue a bodily injury claim.
Reach Out to an Uninsured Motorist Lawyer in Birmingham, AL
If you suffered injuries in a collision with an uninsured driver, turn to the team at Collins Law, LLC, for the legal guidance and advocacy you need. We will help you understand your legal options and how to file an uninsured motorist claim. Our attorneys will take the necessary steps to help you pursue full compensation for your accident-related losses. Contact us today to get started with a free consultation with a Birmingham uninsured motorist accident attorney.