{"id":8382,"date":"2016-12-09T17:25:41","date_gmt":"2016-12-09T17:25:41","guid":{"rendered":"https:\/\/taylormartino.com\/?p=8382"},"modified":"2019-07-11T23:01:05","modified_gmt":"2019-07-11T23:01:05","slug":"al-injured-uninsured-driver","status":"publish","type":"post","link":"https:\/\/taylormartino.com\/al-injured-uninsured-driver\/","title":{"rendered":"What to do in an Alabama Car Wreck if Injured by an Uninsured Driver"},"content":{"rendered":"\r\n<ul class=\"wp-block-gallery columns-1 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\r\n<li class=\"blocks-gallery-item\">\r\n<figure id=\"attachment_8383\" aria-describedby=\"caption-attachment-8383\" style=\"width: 801px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-8383 \" src=\"https:\/\/taylormartino.com\/wp-content\/uploads\/2019\/07\/What-to-do-in-an-Alabama-Car-Wreck-if-Injured-by-an-Uninsured-Driver-300x199.jpg\" alt=\"What to do in an Alabama Car Wreck if Injured by an Uninsured Driver\" width=\"801\" height=\"531\" data-id=\"7189\" data-link=\"https:\/\/taylormartino.com\/?attachment_id=7189\" srcset=\"https:\/\/taylormartino.com\/wp-content\/uploads\/2019\/07\/What-to-do-in-an-Alabama-Car-Wreck-if-Injured-by-an-Uninsured-Driver-300x199.jpg 300w, https:\/\/taylormartino.com\/wp-content\/uploads\/2019\/07\/What-to-do-in-an-Alabama-Car-Wreck-if-Injured-by-an-Uninsured-Driver-768x510.jpg 768w, https:\/\/taylormartino.com\/wp-content\/uploads\/2019\/07\/What-to-do-in-an-Alabama-Car-Wreck-if-Injured-by-an-Uninsured-Driver.jpg 1000w\" sizes=\"(max-width: 801px) 100vw, 801px\" \/><figcaption id=\"caption-attachment-8383\" class=\"wp-caption-text\">What to do in an Alabama Car Wreck if Injured by an Uninsured Driver<\/figcaption><\/figure>\r\n<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<span class=\"gdlr-core-space-shortcode\" style=\"margin-top: 30px ;\"  ><\/span>\r\n\r\n\r\n\r\n<p>If you have been in an <a href=\"https:\/\/taylormartino.com\/practice-areas\/general-personal-injury\/auto-accidents\/\">Alabama Car Wreck<\/a> and sustained injury by an uninsured driver, you are required by Alabama Law to put your insurance company on notice of the wreck. You are required by your insurance policy to do it promptly after the wreck. Some policies have time limits, and if you go beyond a time limit, you may not be allowed to use your uninsured motorist (UM) coverage on your policy. Why is this important? It is important because if you are injured, and hit by a driver who does not have any insurance coverage, or doesn\u2019t have enough, then you can use your uninsured motorist coverage if you purchased it. But, if you did not timely put your company on notice, your company will try to get out of providing the coverage for you on your policy.<\/p>\r\n<p>Many people are concerned that using their uninsured motorist coverage will make their premiums go up , but if the wreck was not your fault, and you have not had repeated claims on your policy, then your premiums should not go up. After all, you have paid for this coverage over the years, and you should use it when the time comes that you need it.<\/p>\r\n<p>What exactly is uninsured motorist coverage? Let\u2019s look at an example: if you are hit by a driver who has only $25,000 in liability coverage on their policy, and your damages from the case including lost wages and medical bills total $50,000, then you should use your uninsured motorist coverage to help pay the claim. If you have $25,000 in UM coverage on your policy, then you would be entitled to add that on top of the at-fault person\u2019s coverage to help pay for your damages. It is called \u201cstacking\u201d and you are entitled to stack your UM coverage on top of the at-fault insurance driver\u2019s coverage if your damages warrant stacking. You should check your policy to see if you have \u201cadded on\u201d or \u201cexcess\u201d UM coverage. If you do, you can stack it. If you bought \u201creduced by\u201d then you won\u2019t get to add your UM to the at fault insurance company\u2019s coverage. The take home point here is to check your policy to make sure you don\u2019t have \u201creduced by\u201d UM coverage, and if you do, change it by calling your agent to \u201cadded on\u201d UM coverage. Also, you should buy the highest amount of UM coverage you can afford, as this may someday be needed if you are hurt badly in a wreck.<\/p>\r\n<p>If you have been in an <a href=\"https:\/\/taylormartino.com\/practice-areas\/general-personal-injury\/auto-accidents\/\">Alabama Car Wreck<\/a> and Sustained Injury by an Uninsured Driver, <a href=\"https:\/\/taylormartino.com\/contact\/\">contact an experienced Mobile, AL Car Accident Lawyer<\/a> TODAY!<\/p>\r\n<p><a href=\"https:\/\/taylormartino.com\/attorneys\/richard-taylor\/\">RICHARD H. TAYLOR<\/a><br \/>Taylor Martino, PC<br \/>51 St. Joseph Street<br \/>P. O. Box 894<br \/>Mobile, Alabama 36601<br \/>OFFICE: <a href=\"tel:%28251%29%20433-3131\">(251) 433-3131<\/a><br \/>FAX: <a href=\"tel:%28251%29%20433-4207\">(251) 433-4207<\/a><br \/><a href=\"mailto:richard@taylormartino.com\">richard@taylormartino.com<\/a><\/p>\r\n\r\n\r\n\r\n<span class=\"gdlr-core-space-shortcode\" style=\"margin-top: 40px ;\"  ><\/span>\r\n\r\n\r\n\r\n<figure class=\"wp-block-embed-youtube aligncenter wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\r\n<div class=\"wp-block-embed__wrapper\"><div class=\"yrc-shell-cover yrc-single\" data-yrc-uid=\"67444434dc131\" data-yrc-channel=\"{&quot;meta&quot;:{&quot;user&quot;:&quot;Taylor Martino Rowan Personal Injury 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class=\"gdlr-core-space-shortcode\" style=\"margin-top: 40px ;\"  ><\/span>\r\n","protected":false},"excerpt":{"rendered":"<p>If you have been in an Alabama Car Wreck and sustained injury by an uninsured driver, you are required by Alabama Law to put your insurance company on notice of the wreck. You are required by your insurance policy to do it promptly after the wreck. Some policies have time limits, and if you go [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8383,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[95],"tags":[130,131,10,132,13,16,133],"class_list":["post-8382","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-car-wreck","tag-collision","tag-general-practice","tag-insurance-policy","tag-law","tag-personal-injury","tag-uninsured-motorist"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Alabama Car Wreck Injury | Mobile, AL Car Accident Lawyer<\/title>\n<meta name=\"description\" content=\"If you have been in an Alabama Car Wreck and Sustained Injury by an Uninsured Driver, contact our experienced Mobile, AL Car Accident Lawyer Richard H. 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