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We recently settled a 6 figure case where the client sustained significant injuries as a result of the negligence of an UNINSURED driver. Although we recovered all the money that was available, given the significant amount of injuries sustained in this collision, the case was worth at least $1,000,000.00. Thankfully, the client did have Uninsured/Underinsured coverage but clearly not enough to amount to what would be considered a “made whole recovery”.

A study from the Insurance Research Council (IRC) released on January 21, 2009 predicts that approximately one in six drivers across the U.S. may be driving uninsured by 2010. As far as Alabama is concerned, according to the IRC, 24 percent of drivers in Alabama were uninsured. These numbers are likely to increase as the unemployment rate rises and people look for ways to cut costs.

We have no control over who drives other vehicles. We have no control over the amount liability coverage, if any, other drivers have or do not have. However, each of can control the amount of Uninsured/Underinsured coverage we have. Your liability coverage protects the world against you. Your Uninsured/Underinsured coverage protects you against the world. The “world” in this case includes all those drivers with little or no liability coverage.


  1. Gravatar for James Barcklet

    It's ridiculous that we not only have to insure ourselves, but we also have to insure ourselves against other people that DON'T insure themselves.

    Whats the point of having insurance at all?

    Insurance is a scam, and license to steal.

  2. Gravatar for Mike Bryant

    Insurance is the protection we have for ourselves in many ways. This is great advice Danny

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