Understanding Alabama Uninsured/Underinsured Motorist Insurance
What is uninsured/underinsured motorist (UM) insurance?
UM insurance provides protection in the event you are involved in a wreck or are injured by an operator of a motor vehicle who does not have liability insurance or has inadequate liability insurance.
Is UM insurance mandatory?
No. UM insurance is not mandatory, but you must intentionally waive UM coverage.
Should I have UM insurance?
We recommend that everyone have UM insurance. Even though liability coverage is required, the number of uninsured drivers in Alabama is alarmingly high. Even when the at-fault driver has liability coverage, many times, the amount of liability coverage is not sufficient to reasonably compensate for serious injuries.
My car has been damaged, and I will be without a car. Am I entitled to rental car?
Yes. You are entitled to expenses reasonably related to the damaged vehicle.