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

Unless waived by you, your Alabama automobile policy carries what is called uninsured / underinsured motorist coverage (UIM). This coverage is very valuable and should never be waived. UIM coverage pays you the damages the other at-fault driver should have paid if he / she had insurance. UIM coverage also pays you if the other at-fault driver does not have sufficient liability coverage for all your damages.