How To Handle At-Fault Drivers Lacking Insurance?

There are still options for you after a wreck with an uninsured driver. As of 2020, Alabama ranks as the sixth highest state in the US to have uninsured drivers. More specifically, 18.5% of Alabama drivers are uninsured. This is 1.5 times higher than the national average. Several reasons cause drivers to go without car insurance.



  1. Their policy lapsed and they have not realized it

  2. Their an excluded driver and driving another’s vehicle

  3. Their not able to have insurance but drive anyhow


Many people wonder what to do when hit by an at-fault driver lacking car insurance or who to even file a claim against. Hopefully, you have purchased Uninsured Motorist (UM) coverage through your vehicle’s insurance policy. In having Uninsured Motorist coverage, if an at-fault driver hits you and lacks car insurance, your Uninsured Motorist coverage would allow you to recover for your injuries and damages for the wreck. In Alabama, if you are not at fault for a wreck, and use your Uninsured Motorist coverage, your premiums should not be affected.


You may not be sure if you have Uninsured Motorist coverage on your vehicle’s policy when you first signed with your insurance carrier. Uninsured Motorist coverage shields you in a wreck wherein another driver hits you, lacks car insurance, and is liable for the wreck. This coverage also protects you if the at-fault driver does not have adequate amounts to cover your damages from the wreck.

IT IS HIGHLY RECOMMENDED THAT YOU ADD UNINSURED MOTORIST COVERAGE TO YOUR VEHICLE’S POLICY. As mentioned above, Alabama is known to have an unusually high number of uninsured drivers on the road. Regrettably, Alabama law does not require drivers to purchase Uninsured Motorist coverage. If you are involved in a wreck with an insured driver, give us a call today. We are ready to look into whether you have Uninsured Motorist coverage available.

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120 19th Street North, Suite 328, Birmingham, AL 35203

carli.bryant@bryantlawfirmllc.com  |   205-267-8561

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