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Auto insurance coverage

What Happens If the Other Driver Doesn’t Have Enough Insurance in Alabama?

When the driver who caused your accident doesn't carry enough insurance, your own policy may be the most important safety net you have. This article explains how uninsured (UM) and underinsured (UIM) motorist coverage works in Alabama, including what each one covers, how they fit alongside the state's minimum liability limits of $25,000 per person and $50,000 per accident, and why those minimums often fall short after a serious wreck. It walks through how UM/UIM claims are filed against your own insurer, what you have to prove to recover, and how Alabama's strict contributory negligence rule can affect your case even when you're the one who was hurt. It also covers the settlement steps that matter most in UIM cases, including why you should never sign a release from the at-fault driver's insurance company without first notifying your own UIM carrier. Along the way, it answers common questions about coverage limits, premiums, passengers, and the right time to review your policy, all aimed at helping Alabama drivers understand where they stand before an accident ever happens and what to do if one already has.

Learn about uninsured and underinsured motorist coverage in Alabama, how policy limits can affect a claim and questions to ask after a serious car accident.

Car accidents

The First 72 Hours After a Car Accident in Alabama

The first 72 hours after a car accident in Alabama can determine whether you are able to recover compensation at all. Because Alabama follows a strict contributory negligence rule—where even 1% fault can bar recovery—what you say, when you seek medical care, and how you interact with insurance companies matter more than in almost any other state. This guide walks through the critical steps to take immediately after a crash, how to protect your health and your claim, and the common mistakes that can quietly undermine your case before you realize it.

Use the first 72 hours after an Alabama car accident to prioritize care, preserve records and keep track of insurance contact. Read the practical checklist.

Disability Insurance

Understanding ERISA: Your Guide to Private Retirement and Health Plans

The Employee Retirement Income Security Act of 1974 (ERISA) is a piece of federal legislation that is intended to protect enrollees in most private retirement ...

What is ERISA? Explore the federal law governing many employer benefit plans, how it relates to disability coverage and questions to ask about your own plan.

Disability Insurance

What’s the Difference Between ERISA and Individual Disability Insurance?

There are two primary types of long-term disability insurance: ERISA disability insurance and individual disability insurance. ERISA disability insurance is provided by employers, while individual ...

Compare employer disability coverage governed by ERISA with individual policies, including differences in appeals, deadlines and questions about your rights.

Disability Insurance

Why Was My ERISA Disability Claim Denied?

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that provides employees with protections of their long-term disability benefits. Thus, ERISA’s ...

Read why an ERISA disability claim may be denied, including policy definitions, missing evidence and deadlines, and how those issues affect an appeal.

Personal Injury

Can I Sue for Slip and Fall in Alabama?

A slip and fall injury occurs when a person falls and strikes the ground due to the dangerous condition of a walking surface. If you’ve ...

Can you bring a claim after a slip and fall in Alabama? Explore negligence, evidence and questions about filing deadlines to discuss with Stansberry Kinsley.

Personal Injury

Common Alabama Construction Hazards

The construction industry provides important work to many of Alabama’s residents. Unfortunately, however, it can be a hazardous profession. In fact, a high percentage of ...

Explore common construction site hazards in Alabama and questions after an injury, including the records and circumstances to discuss with a lawyer.

Personal Injury

How Insurance Companies Evaluate Settlement Value in Alabama Personal Injury Cases

Insurance companies value Alabama personal injury claims through a five-step process: confirming liability under the state’s strict contributory negligence rule, reviewing medical records, calculating economic …

How do insurance companies evaluate an Alabama injury claim? Explore the factors discussed in settlement reviews, including evidence, losses and disputed facts.

Personal Injury

Steps to Take After an Alabama Car Accident

Car accidents are common in Alabama, and they often result in property damage, bodily injury, and even death. Given the frequency of car accidents, all ...

What should you do after an Alabama car accident? Read about medical care, staying at the scene, contacting police, photographs and reporting the crash.

Social Security Disability

5 Things Judges Look for when Deciding a Disability Case

Let’s say that you have been denied disability and you want to ask for a hearing before an Administrative Law Judge. How will your case ...

Read about five factors administrative law judges consider in Social Security disability cases, and questions to discuss as you prepare for your hearing.

Social Security Disability

Are People with PTSD Entitled to Disability Benefits?

PTSD is a disorder that is brought on by a traumatic event, and it can put sufferers at risk for a number of debilitating physical ...

Read about disability benefit questions involving PTSD, including the evidence discussed in Social Security and veterans’ claims and how the programs differ.

Social Security Disability

Benefits Options for Disabled Individuals in Alabama

There are two primary options available to disabled individuals through the Social Security Administration: Social Security Disability Benefits and Supplemental Security Income. If you are ...

Explore disability benefit options in Alabama, including SSDI and SSI, with questions about eligibility and applying. Contact Stansberry Kinsley for help.

Social Security Disability

Choosing an Alabama Disability Law Attorney

If you have a disability and need to apply for Social Security Disability benefits, have been denied Social Security Disability benefits, or have a legal ...

Compare prospective Alabama disability attorneys by asking about relevant experience, communication and fees. Read Stansberry Kinsley’s consultation questions.

Social Security Disability

Claim already denied? We can appeal your denied disability claim.

We are here to help you with your Social Security disability appeal process. We know that applying for Social Security Disability is a daunting task. ...

Was your Social Security disability claim denied? Read about appeal options, records and preparation, then contact Stansberry Kinsley to discuss your situation.

Social Security Disability

Does My Condition Qualify Me for Social Security Disability Benefits?

For those who suffer from a debilitating injury or illness, Social Security Disability benefits are a necessity. Unfortunately, however, not all disabled people are eligible ...

Does your condition qualify for Social Security disability? Learn how medical evidence and functional limitations relate to the questions in a disability claim.

Social Security Disability

Help Filing Your Initial Social Security Disability Application

When filing your initial social security disability application, give yourself the best chance of initial claim success It is true that most people are turned ...

Preparing a Social Security disability application? Review records, forms and questions to organize, then contact Stansberry Kinsley about your next step.

Social Security Disability

How long will a social security disability claim take?

Perhaps the most discouraging aspect of applying for Social Security Disability is the lengthy wait times. Your case can linger for many months in bureaucratic ...

See why application decisions and appeals follow different timelines, what can delay a Social Security disability claim and how to track its stage.

Social Security Disability

How to create a my Social Security Account

Do you know the best way to interact with the Social Security Administration? If the answer is no, you could benefit by setting up a ...

Learn how to create a my Social Security account, what information you may need and how to use the account to check benefits or follow your disability claim.

Social Security Disability

Preparing for Your Social Security Disability Hearing

If you’ve been denied Social Security disability benefits and wish to appeal the denial, you will eventually have to attend a Social Security disability hearing. ...

Prepare for a Social Security disability hearing with an overview of testimony, documents, the judge’s questions and the role an attorney can play.

Social Security Disability

Qualifying for Benefits Under Mental Disorders

The Social Security Administration, employers and “independent” physicians with a stake in denying benefits can be highly skeptical of mental disability claims under mental health ...

Read about Social Security disability claims involving mental health conditions, information used to evaluate them and questions about applying for benefits.

Social Security Disability

Social Security Disability Veteran’s PTSD

In recent decades veteran’s PTSD (Post-Traumatic Stress Disorder) has been recognized as a serious and debilitating condition. Veterans who have engaged in intense and prolonged ...

Veterans with PTSD may have questions about Social Security disability alongside VA benefits. Explore the programs and what to consider when applying for SSD.

Social Security Disability

Watch Out for the “SSDI Help Line” Letter: It Isn’t the Social Security Administration

If you’re applying for Social Security Disability Insurance (SSDI), you’re already managing a lot—doctor’s visits, paperwork, and the uncertainty of your financial future. The last ...

Received an “SSDI Help Line” letter? Learn why it is not from the Social Security Administration and how to review the sender before sharing your information.

Social Security Disability

What to Look for When Hiring a Social Security Disability Lawyer?

Recently, I was interviewed by a reporter working on a story about Social Security Disability. One question was “What should a person look for when ...

Learn what to look for in a Social Security disability lawyer: focused experience, access, communication and the working relationship over a long case.

Social Security disability appeals

Social Security Disability Appeals Timeline

Follow the four stages of a Social Security disability appeal, from reconsideration through federal court. See what to keep and why the decision notice matters.