Uninsured & Underinsured Motorist Car Accident Lawyer in Alabama

Getting into a car wreck is stressful enough. But when the at-fault driver has no insurance — or not enough insurance — the situation becomes even more overwhelming. At M&H Legal Services, our Alabama car accident attorneys know how to fight for the compensation you deserve under Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage.

What Is Uninsured/Underinsured Motorist Coverage?

  • Uninsured Motorist (UM): Protects you if you’re hit by a driver who has no auto insurance.

  • Underinsured Motorist (UIM): Applies when the at-fault driver’s insurance isn’t enough to cover your medical bills, lost wages, and pain and suffering.

In Alabama, these coverages are vital. Many drivers on our roads are either uninsured or carry the minimum limits — often nowhere near enough to cover the real cost of serious injuries after a car wreck.

Common UM/UIM Accident Situations We Handle

  • Car accidents caused by uninsured drivers

  • Hit-and-run accidents where the other driver cannot be identified

  • Crashes where the at-fault driver only has the Alabama minimum liability insurance ($25,000), which rarely covers the full extent of damages

  • Cases involving multiple injured parties competing for limited insurance funds

Why You Need an Alabama Car Accident Lawyer

Insurance companies don’t make it easy. Even when you’re filing against your own UM/UIM coverage, your insurer often treats you like the enemy. They may delay, deny, or undervalue your claim. Having a lawyer who knows how to build your case and negotiate aggressively is the key to getting a fair settlement.

Our team at M&H Legal helps clients across Guntersville, Huntsville, and all of North Alabama recover full compensation after car wrecks involving uninsured or underinsured motorists.

Compensation Available in UM/UIM Claims

Depending on your injuries and circumstances, you may be entitled to recover damages for:

  • Medical expenses (past and future)

  • Lost income and reduced earning ability

  • Pain and suffering

  • Permanent disability or disfigurement

  • Wrongful death (for surviving family members)

What To Do After an Uninsured/Underinsured Motorist Wreck

  1. Call 911 and get a police report.

  2. Seek medical attention immediately.

  3. Do not speak with the other driver’s insurance company.

  4. Contact an Alabama car accident attorney as soon as possible to protect your rights.

Talk to an Alabama UM/UIM Car Wreck Attorney Today

If you’ve been hit by an uninsured driver or someone who doesn’t have enough coverage, don’t try to fight the insurance company alone. Let our experienced personal injury lawyers stand up for you.

Call M&H Legal Services today for a free consultation. We’ll review your case, explain your rights under Alabama law, and fight to make sure you’re not left paying the price for someone else’s negligence.