Alabama law requires every driver on the road to carry car insurance. But here’s the part that surprises most people: Nearly 1 in 5 drivers in Alabama doesn’t have it.
The most reliable recent data shows that about 19.5% of drivers in our state are uninsured. That’s nearly 1 in 5 drivers, which is significantly higher than the national average.
That means every time you drive to work, the grocery store, or your kid’s school, there’s a real chance the person who hits you won’t have insurance to cover the damage they cause.
“But Isn’t That What Insurance Is For?”
Theoretically. But that works only if the other driver actually has insurance.
When they don’t, you can be left with the bills: repairs, medical expenses, lost income, pain, stress — and no insurance company stepping in to make things right.
That’s why I always encourage people to seriously consider adding uninsured motorist coverage to their policy. It’s optional, but for a slightly higher premium, you can be protected from someone else’s bad decision.
A Little Perspective From Experience
I’ve been in this business for more than 30 years. I’ve seen how these situations play out in real life. With nearly 20% of Alabama drivers uninsured, this isn’t a rare “what if” scenario. It’s a very real risk.
If you’ve been involved in a crash and need representation, contact Alabama Personal Injury Attorneys today. We know insurance games — and we know how to beat them.