What Happens If an Injured Person Has Insufficient or No Insurance in Alabama?
For personal injury cases, having adequate insurance is crucial to receive the necessary compensation for recovery. However, there are situations where the responsible party may have insufficient insurance or, worse yet, no insurance at all. In this article, we will explore the options available to victims of personal injury cases in Alabama if they ever find themselves in this situation.
Filing a Claim Against the Guilty Party’s Insurance
If the person responsible for the accident has insurance, the victim can file a claim with the liable party’s insurance company. However, if the responsible party’s insurance is insufficient to cover all losses and medical expenses, the victim may not receive the full compensation needed.
Insufficient Insurance Coverage
When the responsible party’s insurance is inadequate to cover expenses, the victim can turn to their own insurance if they have applicable coverage. For instance, in some cases, the victim’s «uninsured or underinsured motorist» (UM/UIM) coverage can provide additional compensation.
Suing the Guilty Party Personally
If the responsible party’s insurance is insufficient or nonexistent, the victim may consider filing a lawsuit directly against the responsible person. In this situation, a personal injury attorney will be invaluable in ensuring a proper assessment of damages and losses and guiding the victim through the legal process.
Assessing Other Sources of Liability
In some cases, there could be other parties involved who share responsibility for the accident and injuries. For example, if the accident occurred on commercial property, there might be additional liability on the part of the property owner. An experienced attorney can investigate all potential sources of compensation.
Product Liability Lawsuit
If the injury was caused by a defective product, the victim may have a product liability case. These cases can allow the victim to recover appropriate compensation for their injuries.
Expert Legal Counsel
Faced with insufficient or nonexistent insurance, it’s crucial for the victim to seek expert legal counsel as soon as possible. A personal injury attorney in Alabama can evaluate the case, identify available options, and guide the victim in receiving the compensation they deserve.
In situations where the responsible party’s insurance is insufficient or non-existent, victims of personal injuries in Alabama are not without recourse. It’s important to seek legal counsel and explore all possibilities for obtaining the necessary compensation for a full recovery. The assistance of an experienced attorney can make a significant difference in pursuing justice and fair compensation.
We would like to remind you that the articles we share in our blog are merely for informational purposes, so it’s crucial you consult us directly if you have any questions about your case. You can reach Abogados Centro Legal at 205 940 2233 or schedule your free consultation.
