Salter Ferguson, LLC



Representing Clients
Throughout Central Alabama

Seasoned Birmingham Personal Injury Attorneys Help Victims Of Uninsured & Underinsured Motorists In Central Alabama

It’s bad enough that your car collided with another vehicle, causing you injuries or, in the worst case, the death of a loved one. Things can become even more complicated, however, when you discover that the driver who caused the accident is uninsured or underinsured (UM/UIM).

What happens then? And who is going to cover your expenses? Fortunately, Alabama’s UM/UIM laws exist to protect you when an irresponsible driver is on the road without adequate motor vehicle accident insurance.

The Exorbitant Costs Of An Auto Accident In Alabama

If you were seriously injured in a collision with an uninsured/underinsured vehicle operator on a road or highway in Alabama, the challenges ahead will affect you on a number of levels: physically, emotionally and financially. Depending on your injuries, you may incur unmanageable medical expenses, especially if your recovery requires long-term treatment and rehabilitation or a stay in an assisted care facility. In some cases, if you become temporarily or permanently disabled, you may need to have your home and car modified. And you’ll have to deal with getting your vehicle repaired or buying a new one. These expenses can add up quickly and put an enormous strain on your finances.

As if all that isn’t enough, you will be forced to deal with the confusing and complex problem of filing insurance claims and/or pursuing a personal injury civil lawsuit in the Alabama legal system.

That’s When salter Ferguson’s Seasoned Attorneys Can Take Over

Salter Ferguson’s savvy legal team knows exactly how to win the financial compensation to which you’re legally entitled when you’ve been in a vehicle crash with an uninsured/underinsured driver.

In Alabama, noncommercial vehicle operators are required by law to carry auto insurance. Here are the minimum liability coverage requirements.

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

When the at-fault motorist doesn’t have this minimum insurance coverage, or your accident expenses exceed it, what can you do? Fortunately, there are other options for acquiring fair compensation for your injuries and/or losses in an uninsured motor vehicle accident.

Salter Ferguson’s Central Alabama Underinsured Vehicle Accident Attorneys Can Help You Determine Which Options To Pursue For Your Financial Recovery

Option 1 : File a claim with your own insurance company: Under the provisions of your own auto insurance policy, you can make a claim if you’ve already selected coverage designed to fill the gap between what the at-fault driver’s coverage is and your accident-related expenses. If you purchased this coverage, it is intended to pay your medical bills and property damage expenses because of an UM/UIM. If the at-fault driver admits to having no insurance coverage, or if you learn that they are underinsured, you should make an immediate report to your insurance company. The good news is that making such a claim when you were not at fault for the accident should not increase your insurance premium.

Option 2 : File a personal injury lawsuit: It’s unlikely that an uninsured or underinsured driver has assets that will make a personal injury lawsuit a viable method of recovering monetary expenses. But that’s not always true. If the at-fault driver has financial assets, it may be in your best interests to sue them. To determine whether a personal injury lawsuit is a reasonable means for recovering your monetary damages, you should talk to a knowledgeable Alabama personal injury attorney who can help you assess your uninsured auto accident case.

Dealing With A Difficult Insurance Adjuster In Your Alabama Uninsured Car Accident Case

Even your own insurance company can make recovery difficult. If the insurance company is delaying on paying your claim, making excuses for why they haven’t settled, or using any other nonpayment tactic, they may have violated their good faith responsibility. In such instances, you will need an attorney to hold them accountable and to help push your claim through to secure the financial recovery you deserve.

The Seasoned Birmingham Attorney Team At Salter Ferguson, Llc, Knows How To Win A Fair Monetary Settlement When You’ve Been Injured By An Uninsured Driver

If you’ve been in an accident caused by an uninsured or underinsured driver, call a Salter Ferguson attorney to discuss your legal options. Our experienced Birmingham personal injury lawyers are prepared to aggressively fight with the insurance companies to win a fair monetary settlement for your injuries, pain and suffering, and financial losses, both present and future.

The car accident attorneys at Salter Ferguson, LLC, represent the Central Alabama citizens of Birmingham-Hoover, Huntsville, Mobile, Montgomery, Tuscaloosa, Daphne-Fairhope-Foley, Decatur, Auburn-Opelika and surrounding areas.

Don’t Run Out Of Time – Contact Salter Ferguson’s Birmingham Uninsured Accident Attorneys Today For A Free Case Evaluation

Speaking with one of the skilled car accident lawyers at Salter Ferguson immediately is crucial to your chances of success. Alabama’s vehicle accident statute of limitation laws limit the time you have to file a complaint. It’s important not to delay when it comes to contacting an experienced Central Alabama car accident injury attorney. The typical deadline for filing a claim is two years. However, the deadline can be extended for various extenuating circumstances.

To ensure that you file a claim or pursue a personal injury civil lawsuit in a timely manner, you should contact Salter Ferguson now. Call us today at 877-298-4878 to schedule a FREE discussion and review of your case. Or send us a message through our online contact form.

It’s bad enough that you were the victim of an uninsured/underinsured driver accident. The attorneys at Salter Ferguson don’t want to cause you anymore stress. When we take you on as a client, you will never pay a penny upfront for our representation. We only get paid when we win your case.