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What if the Driver who Caused the Crash Does NOT Have Enough Insurance?

Unless waived by you, your Alabama automobile policy carries what is called uninsured / underinsured motorist coverage (UIM). This coverage pays you in the event the at-fault driver does not have liability insurance or does not have sufficient liability insurance. We believe it is very important for all Alabama drivers to possess sufficient UIM coverage in case of an injury caused by an uninsured or underinsured driver.