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Uninsured Motorist Coverage — Alabama

Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver without insurance or who flees the scene.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage steps in when the at-fault driver has no liability insurance or can't be identified after a hit-and-run. It covers your medical expenses, lost wages, and in some states your vehicle damage, up to your policy limits. Alabama allows you to reject this coverage in writing, but if you accept it, carriers must offer minimums matching your liability limits. The coverage applies per person and per accident, with a bodily injury component and an optional property damage component.

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Who Needs Uninsured Motorist Coverage Insurance?

Drivers on non-owner policies should include uninsured motorist bodily injury coverage since you have no collision coverage to fall back on.

If no, carry uninsured motorist coverage at limits matching your liability policy. If you're on a non-owner policy, include bodily injury coverage and skip property damage.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your selected coverage limits — higher per-person and per-accident maximums increase premium proportionally
Your ZIP code's uninsured driver rate — counties with higher uninsured motorist claim frequency carry higher premiums
Your liability limits, since Alabama requires carriers to offer uninsured motorist limits matching your liability coverage
Whether you're reinstating after suspension — some carriers apply a surcharge to all coverage components during the first policy term after reinstatement

Related Coverage Types

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