Huntsville’s Premier Personal Injury Attorney

Uninsured/Underinsured Issues

Attorney Mark Jackson provides exceptional legal representation to North Alabama residents hurt in motor vehicle accidents, including claims involving uninsured and underinsured drivers.

Claims Against Uninsured And Underinsured Motorists

Although state law requires every driver to carry bodily injury and property damage liability insurance, over 25% of Alabama drivers have no insurance at all. In fact, Alabama is third in the nation for uninsured drivers. Additionally, if you are hit by an uninsured driver, you may find yourself suing someone who does not have sufficient assets from which you can collect compensation.

One solution to this unfortunate situation is uninsured/underinsured motorist (UM/UIM) coverage on your own policy. With UM/UIM coverage, your own insurance company will compensate you if you are hit by an uninsured driver (UM coverage) or if the driver’s liability insurance does not fully compensate you for your losses (UIM coverage). Consider carrying UM/UIM coverage up to the amount you have as the limit on your own liability coverage. Although state law does not require drivers to carry UM/UIM coverage, all insurance companies operating in the state are required to provide it. In fact, the only way an insurance company cannot provide UM/UIM coverage in Alabama is if the policyholder signs a written waiver stating that they do not want this type of coverage.

Leveling The Playing Field With Insurance Companies

Even with UM/UIM coverage, receiving fair compensation after an accident with an uninsured or underinsured driver can be difficult because insurance companies seek to minimize payouts to policyholders. Insurance adjusters will almost always undervalue your claim, offering a settlement far below what you are entitled to receive. Even in dealing with your own insurance company, do not assume that your insurer is on your side. Often, adjusters will attempt to pay you as little as possible or even deny your claim altogether. Therefore, before you try to negotiate with an insurance company, sign any papers or accept any money, you should consult with a knowledgeable personal injury attorney who has experience handling claims involving motor vehicle accidents. Attorney Mark A. Jackson has this experience. He can assess your accident and the circumstances involved and provide a reasonable estimate of the value of your claim.

Seek Experienced, Knowledgeable Representation

With over 20 years of experience, Mr. Jackson possesses the knowledge and legal skill to take on insurance companies with confidence, helping his clients receive full and fair compensation for their damages. If you or a loved one has been involved in an accident with an uninsured or underinsured driver, please call Mark A. Jackson, P.C. at 256-929-6391 today for a free consultation. As a client, you will not pay any attorney’s fees unless Mr. Jackson collects compensation on your behalf.