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Uninsured Motorist Coverage — Alabama

Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient liability limits.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage (UM) steps in when the at-fault driver has no insurance or their liability limits don't cover your full damage. It pays your medical expenses, lost wages, and in some states your vehicle repair costs. Alabama sells UM in two parts: Uninsured Motorist Bodily Injury (UMBI) covers injuries, and Uninsured Motorist Property Damage (UMPD) covers vehicle damage. You choose limits separately, typically matching your liability limits.

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Who Needs Uninsured Motorist Coverage Insurance?

Carry UM if you're reinstating after suspension and can't afford to pay medical bills out of pocket after an accident. Alabama has no safety net for uninsured claims — if the other driver has nothing, you collect nothing without your own UM coverage.

How Much Does Uninsured Motorist Coverage Insurance Cost?

  • Your liability limits — UM limits typically cannot exceed your liability limits, so higher liability coverage means access to higher UM limits and slightly higher UM premiums.
  • County uninsured driver rate — Jefferson and Mobile counties have higher uninsured rates than the state average, which increases UM pricing in those areas.
  • Stacked vs unstacked — stacking multiplies your UM limits by the number of vehicles on your policy, which doubles or triples the premium but also multiplies your coverage.

Related Coverage Types

A hand holds a car key with a black remote fob over a wooden table where printed documents, a pen, and a clipboard rest, with a dimly lit kitchen in the background.Liability Insurance→A woman with long wavy hair in a dark top sits in the driver's seat of a car, holding a phone to her ear and looking out the side window.High-Risk Auto Insurance→A man in a black cap and gray long-sleeve shirt sits in a truck cab, pulling the seat belt across his chest toward the buckle.Non-Standard Auto→A man in a dark work jacket sits in a vehicle's driver seat, looking down while pulling the seat belt across his chest, with a steering wheel in the foreground and a cargo barrier behind him.Suspended License SR-22→
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Find Alabama Coverage After a DUI

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