Uninsured and under-insured motorist (UM/UIM) coverage is there to protect you from the negligence of the world's drivers. Plain and simple, it is there to protect you in cases where the at-fault driver has either no insurance or has insufficient coverage to pay for your bodily injuries and associated damages.
Alabama state law requires driver's to maintain minimum liability and UM/UIM coverages. However, there is a caveat in the law that states an insured can expressly waive their right to UM/UIM coverage. This is a complete and utter failure of the state legislature.
UM/UIM coverage is relatively cheap, and can mean the difference between recovering something and not recovering at all in cases where a negligent, at-fault driver caused you bodily harm.
If you are not sure if you have UM/UIM coverage on your policy, I would encourage you to immediately call your agent and ask if you have this coverage. You may also request a copy of your auto policy. Your coverages should be clearly listed.
If you only have state minimally required coverages, you may want to strongly consider raising your policy limits. Again, increasing your UM/UIM coverages is relatively cheap, but could mean the world when dealing with an uninsured or under-insured at-fault party after an accident.
As always, call us if you have any questions about your claim or potential claim. We want to be the ones you trust and we honor our calling to be your counsel.