Dothan, Alabama Personal Injury Lawyers – Why Uninsured Motorist Coverage

October 7, 2011 by

On a recent episode of our television show, The Legal View, Dothan, Alabama personal injury lawyers David Hogg and Aaron Gartlan of The Hogg & Gartlan Law Firm discussed the importance of uninsured/underinsured motorist coverage with local Alfa Insurance Agent, Gene Mills.  This article is to elaborate on that in greater detail.

During their careers as Dothan personal injury and accident lawyers, David and Aaron have seen firsthand the value of this type of insurance coverage.  They have personally handled cases for injured people involving claims for uninsured and underinsured motorist coverage.  In fact, Aaron Gartlan currently represents a good, hard-working Dale County, Alabama nurse who suffered a serious neck injury because of a car wreck with a person that did not have enough automobile insurance in a lawsuit filed against ALFA Insurance Company in the Circuit Court of Dale County, with a jury demand for underinsured motorist coverage.  Aaron was able to exhaust the benefit limits against the driver of the vehicle that caused her injuries and damages.  However, this was not enough insurance coverage to fully compensate this good hard-working woman for her injuries and damages.  Therefore, a decision was made to file a lawsuit against her insurance company, ALFA, for underinsured motorist coverage in an effort to prove and demonstrate liability and damages, add value to the case and maximize recovery for this good, hard-working, Dale County woman, after ALFA failed to offer what they believed to be a fair settlement.

Personal injury and accident lawyers at The Hogg & Gartlan Law Firm in Dothan also have a lawsuit filed in the Circuit Court of Dale County against USAA on behalf of a hard-working Ozark Alabama woman that lost her husband in a tragic automobile wreck.  She was able to exhaust the policy limits of coverage from the driver that caused the wreck that resulted in the death of her husband.  She then filed a claim for underinsured motorist coverage with her insurance company, USAA, believing that the insurance coverage limits of the driver that caused the wreck were not adequate to fully compensate her for her injuries and damages.  USAA denied her claim, and personal injury and accident lawyers at the firm then filed a lawsuit against USAA for breach of contract and bad faith in an effort to prove and demonstrate liability, add value to the case and maximize recovery for this Ozark, Alabama woman.

The firm is  handling another case on behalf of a good, hard-working Troy Alabama man that was involved in a wreck with an uninsured driver that caused injuries and damages to this Alabama man.  Therefore, they have filed a claim with his insurance company, Occidental, for uninsured motorist coverage in an effort to prove and demonstrate liability and injuries and damages, add value to the case and maximize recovery for this good, hard-working man.  This certainly demonstrates the need for uninsured/underinsured motorist coverage.

Through their careers, Dothan, Alabama personal injury and accident lawyers David Hogg and Aaron Gartlan have unfortunately encountered cases where there was not enough insurance coverage to compensate an injured party for their damages or there was no insurance.  Even though Alabama law requires everyone to carry a minimum of liability insurance coverage, we all know not everyone does and not everyone carries enough liability coverage.  Currently Alabama Law only requires policy limits of $25,000.00 per person and $50,000.00 per occurrence.  That is the purpose of uninsured/underinsured motorist coverage.

Past studies have concluded that twenty-six percent of Alabama drivers did not have car insurance.  As accident and personal injury lawyers, we suggest that you review your uninsured/underinsured motorist coverage policy benefits as well as all of your automobile insurance policy limits with your insurance agent to ensure your family and you as well as others are adequately protected.  It’s also important to immediately seek legal advice from an experienced Dothan Alabama lawyer if you believe your insurance company is trying to take advantage of you.

At our firm, we take great pride in helping people and families stand up to big powerful corporations like insurance companies and welcome calls and visits from people and families that think their insurance company might be attempting to take advantage of them.  When you feel like you have been taken advantage of, especially by a big powerful corporation, naturally, it can seem intimidating and overwhelming and like you do not have a chance to be treated fairly.  Our American Court System and the right to trial by jury was created by the people for the people and was designed to give the people a level playing field against big powerful corporations like insurance companies.

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