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Personal Injury

  1. What is stacking of uninsured motorist benefits? Stacking is additional amounts of coverage which is allowed under Alabama law in the context of uninsured motorist coverage. For example if you have one policy covering three vehicles and you have $100,000 in uninsured motorist coverage, you can stack... read more
  2. What is an uninsured motor vehicle? Defining the uninsured motor vehicle is usually not difficult, but sometimes invovles some interesting factual matters. Under Alabama Code ยง 32-7-23(b)(1975) an uninsured motorist vehicle includes but is not limited to: “…motor vehicles with respect to which: (1) neither the... read more
  3. Am I covered by Uninsured/Underinsured Motorist Benefits? All persons insured under a policy which contains uninsured motorist benefits, are covered whether driving a vehicle listed under the policy or any other vehicles which are driven with permission of the true owner. Even vehicles that are owned but... read more
  4. What is Uninsured or Underinsured coverage? This is coverage that protects you if you are injured in a vehicle accident and the person at fault does not have insurance or enough insurance to cover you. Because Alabama requires very low liability limits, you should obtain as... read more
  5. Medical payments coverage provides payment for all necessary medical care and frequently for funeral expenses up to the limit provided for in the policy. Typically those covered under the medical payments provision are the named insured, residents in the household... read more
  6. What damages are recoverable? Alabama law allows recovery of: A. Property Damage Property damage covered under a policy is usually the difference in the fair market value of the property before and after the accident. 1 Alabama Pattern Jury Instruction - Civil 11.23, and... read more