When someone is involved in a serious Alabama car accident, the chances are they have to deal not just with the physical injuries and property damage caused by the accident, but also with the mounting medical expenses and the loss of income due to time spent away from work. Additionally, an accident victim’s life may not ever be the same, even post-recovery.
After a car accident, an accident victim may be able to seek compensation for the injuries they sustained in the accident through an insurance claim. In Alabama, all drivers must maintain a base level of liability insurance to cover the costs of injuries caused by that driver’s negligence If the at-fault party has an insurance policy, the claim will initially be through the at-fault driver’s policy.
Some drivers, however, fail to obtain insurance despite the legal requirement they do so. In other situations, a driver has insurance, but the injuries sustained in the accident are very serious, warranting compensation above the limits of the at-fault driver’s insurance policy. In the event of an accident caused by an uninsured or underinsured driver, an accident victim may be able to file a claim with their own insurance company.