Uninsured Motorist Auto Insurance Alabama AL
Reader’s Question:
I have been in an accident where the other party was found to be at fault. I sustained injuries and my car was damaged. I don’t have car insurance. Will his insurance company cover for the expenses?
Dave
Birmingham, AL
Considering that the other party is “at fault” and has minimum liability coverage then his auto insurance provider pays for the damages to your car. But as in any vehicular accidents, auto insurance companies are certainly going to investigate. If the investigation on the accident determines that the fault is shared, say 50-50, the other driver, who in this case is you, will then have to shoulder half of the expense. This will unfortunately have to come from your pocket since you have no auto insurance coverage. If the other driver has uninsured motorist insurance in his policy, then you won’t have to worry about footing half of the bill.
However, Alabama does not require all its motorists to obtain uninsured motorist insurance and you should not count on it. Besides, what are you doing driving around without any car insurance? Operating a motor vehicle on public roads without auto insurance coverage is against the law. Alabama requires its motorists to have the minimum liability insurance coverage. It will be wise for you to purchase one as soon as possible. Penalties for non-compliance of auto insurance laws in Alabama often involve paying a sizeable amount for fines, possible revocation of your car registration and driver’s license, and worse, a possible jail time for various traffic and insurance laws violation.
Tags: auto insurance coverage, Car Insurance Company, car insurance law, liability insurance, traffic violation
Car Insurance Claims Nevada NV
Reader’s Question:
I’m Alfred from Nevada. Just a question: What are the basic things that I should do at the scene of an accident for car insurance purposes?
Alfred
Henderson, NV
Well Alfred, I suggest you take all the necessary precautions to avoid getting into an accident. But in the unfortunate event that you do, make sure that you still keep a clear mind and remember to do these simple things.
Don’t panic, and make sure that everyone around you is alright. Check your companions, if you have any, and see if you are all there. Then check the other party and see if they had any casualties. Call an ambulance or the paramedics if there was someone who severely injured. Don’t attempt to move anyone on your own because it only might do more harm than good.
Now when you call for the ambulance, don’t forget to call the police station, as well. In most cases, a police officer is needed at the scene of the accident. It is also important to avoid any delays and any possible denials on your claim.
You should also remember to exchange information with the other party. Don’t forget to get the other driver’s name, address, telephone number, insurance agent and insurance provider.
Most importantly, you should call and inform your insurance agent there in Nevada about the incident. There isn’t anything special you must do. But the sooner you report it to your insurance agent and insurance provider the better, because it helps speed up the claims process.