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How To Buy Uninsured Motorist Insurance Alabama

Uninsured motorist coverage is one of the most important aspects of an automobile insurance policy. It helps insure you against uninsured drivers.

Local Companies

Allstate - Michael Gray
(205) 995-4014
5479 Highway 280
Birmingham, AL

Insurance Solutions, Inc.
256-739-2329
1331 3rd Street SE
Cullman, AL

National Alliance
(256) 585 3068
3801 triana bldv suite #6
huntsville, AL

Marcus Insurance Agency
(205) 646-3301
Highway 31
Thorsby, AL

Alfa Insurance
(256) 350-2883
2349 Danville Rd SW Ste 220
Decatur, AL

Grimes Frank Insurance Agency
(251) 476-0614
1111 E I65 Service Rd S
Mobile, AL

Alfa Insurance
(334) 872-7471
300 Broad St
Selma, AL

Avery Albert Ins
(205) 750-0020
516 Paul W Bryant Dr E
Tuscaloosa, AL

Alfa Insurance
(256) 739-6213
3188 Al Highway 157
Cullman, AL

Driskill-Morgan Agency
(256) 586-6059
Arab, AL

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Uninsured motorist coverage is one of the most important aspects of an automobile insurance policy. Uninsured motorist coverage protects you in the event that you are involved in an accident with an uninsured driver. The coverage will extend to cover you and your passengers for bodily injury as well as your vehicle against damage if the accident was the fault of the uninsured driver.

Some states go so far as to require uninsured motorist coverage. They include:

Connecticut
Washington D.C.
Illinois
Kansas
Maine
Massachusetts
Minnesota
Missouri
New Jersey
New York
North Dakota
Oregon
Rhode Island
South Carolina
South Dakota
Vermont
Virginia
West Virginia
Wisconsin

Other states may limit the amount of uninsured motorist coverage or limit the application of the coverage. Please see your state's Department of Insurance or contact your agent/insurance carrier to review the specific rules and regulations for your particular state.

Fortunately, obtaining uninsured motorist coverage is a quick and painless process. All major insurance carriers will offer the coverage as an additional coverage to the standard automobile insurance contract.

The first thing to do is to contact your carrier, or another carrier, to get a quote for this important additional coverage. Obtaining a quote is free of charge. Most carriers will require that they write your entire automobile policy and will not offer the uninsured motorist as a standalone coverage. In other words, if you wish to get uninsured motorist coverage through a carrier other than the one your policy is currently through, you will most likely have to transfer your entire policy. There are three ways to get a quote.

In person - Visit your local agency. Contact your agent or another local agent and let them know you would like to request a quote for uninsured motorist coverage. They will set an appointment where you can sit down to review the coverage options, including limits available and the cost of that coverage.

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Author: Brad Halvorsen

Featured Local Company

Allstate - Michael Gray

(205) 995-4014
5479 Highway 280
Birmingham, AL
www.allstate.com/michaelgray

Read more about How To Buy Uninsured Motorist Insurance

- Personal Injury Protection Auto Insurance Alabama

In life, nothing is certain. An accident could strike at any time, with great effect and possible hazard to your life and your health. If that happens, you need to be ready - it could be anytime, anywhere, and you need to be ready for it when it does. There is, of course, no way to immunize yourself from accidents - that's impossible - but you can at least be sure that you can handle the financial aspect of any injury which may occur to you or your family members. The way to do that, importantly, is personal injury protection insurance, or PIP. That can be related specifically to auto insurance with a variation on PIP known as personal injury protection auto insurance.

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No fault insurance opponents claim that it has a negative effect on drivers due to the misconception that they do not have to practice safe driving habits. On the other hand, those for no fault insurance law believe that it allows accident victims to receive the needed medical attention without having to wait for at-fault proof.

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