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Key:
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Global Mod,
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Joined: Jul 2011
Posts: 37,683
Freak of Nature
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Freak of Nature
Joined: Jul 2011
Posts: 37,683 |
Unless she has assets you can go after you are unfortunately not going to get anywhere outside of her minimal insurance coverage. Usually people with minimal insurance don't have assets to protect. Even if she has assets , it's hard to get at them in Alabama, if she has insurance and even if it's maxed out . That's why un/under insured insurance is so necessary in Alabama. The way Alabama's system is set up , you can't count on the other guy.
"Why do you ask"?
Always vote the slowest path to socialism.
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Joined: Mar 2003
Posts: 27,117
Talking Turkey
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Talking Turkey
Joined: Mar 2003
Posts: 27,117 |
Underinsured coverage only covers injury, doesn't cover the vehicle or trailer. Most policies have built in coverage for a trailer, but it's usually like $500, which doesn't help the OP.
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Joined: Feb 2016
Posts: 798
4 point
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4 point
Joined: Feb 2016
Posts: 798 |
What’s the chances she got anything to get? Probably less than 0 You can get a judgement but you can’t spend it! That's my thoughts as well. If a person has assets to protect, they should carry more than the minimum required insurance. So minimum insurance I would guess means little to no assets
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Joined: Feb 2016
Posts: 798
4 point
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4 point
Joined: Feb 2016
Posts: 798 |
On a side note, people like me just doubled their liability amount to cover nicer new vehicles. Did it about a month ago. 25,000 won’t cover jack on todays vehicles. 50,000 is iffy.
I upped it for this very reason. Two kinds of people in this world….
I did the same last year. I did it because vehicle prices are ridiculous and in the chance someone gets hurt, medical bills ain't cheap either. 25/50/25 won't go far.
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Joined: Jul 2012
Posts: 5,661
12 point
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12 point
Joined: Jul 2012
Posts: 5,661 |
“Auto accident attorney needed”
Mr. Longtine,
You failed to mention any bodily injuries that you may have received in the accident, therefore I assume there weren’t any and for that reason I am out.
Lonster
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Joined: Sep 2012
Posts: 20,182 Likes: 3
Freak of Nature
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Freak of Nature
Joined: Sep 2012
Posts: 20,182 Likes: 3 |
It's amazing that the minimum liability coverage is only $25,000 in Alabama. That won't buy a used Yugo these days.
Dying ain't much of a living boy...Josey Wales
Molon Labe
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Joined: Jul 2011
Posts: 37,683
Freak of Nature
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Freak of Nature
Joined: Jul 2011
Posts: 37,683 |
It's amazing that the minimum liability coverage is only $25,000 in Alabama. That won't buy a used Yugo these days. That's the truth , along with Alabama's goofy tort and insurance laws , doing the right thing can cost you more than the one at fault. Trust me on that , been there done that. 
"Why do you ask"?
Always vote the slowest path to socialism.
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Joined: Aug 2006
Posts: 9,562
14 point
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14 point
Joined: Aug 2006
Posts: 9,562 |
I bumped our coverage up a few years ago because when we changed providers I could get more coverage for a little less money. We carry 300/500/100 now on our vehicles.
If you live to be a hundred, I want to live to be a hundred minus one day, so I never have to live without you.---Winnie the Pooh
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Joined: Sep 2012
Posts: 20,182 Likes: 3
Freak of Nature
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Freak of Nature
Joined: Sep 2012
Posts: 20,182 Likes: 3 |
I bumped our coverage up a few years ago because when we changed providers I could get more coverage for a little less money. We carry 300/500/100 now on our vehicles.
Ive been carrying 250/500/100 for as long as I can remember.
Dying ain't much of a living boy...Josey Wales
Molon Labe
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Joined: Jan 2009
Posts: 4,880
12 point
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12 point
Joined: Jan 2009
Posts: 4,880 |
We went through it last year, guy rear ended one of our wreckers at 100mph plus. Loaded wrecker was doing about 50mph. He had $25k standard, damage was $200k. Of course he was dead so it was worse for him but my insurance had to cover pretty much everything. I was told they wouldn’t even attempt to recover the balance on underinsured, wasting time and money
Last edited by hoggin; 01/27/25 12:58 PM.
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Joined: May 2013
Posts: 3,651
10 point
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10 point
Joined: May 2013
Posts: 3,651 |
I dont see how anybody can get by with $25k worth of insurance.....thats a fender bender nowadays. My wife supposedly ran a light a few months back and ended up in a wreck that was her fought so our insurance paid for everything. After seeing about 3 more wrecks at that same light i got to watching it and the light would go yellow for just a second and then one turn green and the other turn red at the same exact moment. Stayed that way for months with multiple wrecks and they just adjusted it recently to turn red before the other side turned green. Lots of money spent in the last year due to that light being off a few seconds.
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Joined: Mar 2005
Posts: 6,337 Likes: 1
12 point
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12 point
Joined: Mar 2005
Posts: 6,337 Likes: 1 |
Mr. OP, I'm afraid you may be up the creek without a paddle if your uninsured / underinsured coverage on your truck doesn't cover . If you sue her , her insurance will defend her in court. Even though they pay out all they're supposed to. That's some more of Alabama's goofy insurance laws . That under, un insured situation is an uphill battle in Alabama. Evan if she has the means to make you whole , it can be very hard to get it. I got a lesson on this subject bout 12 years ago. Been through this also, Same in Mississippi
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Joined: Jul 2015
Posts: 1,901
8 point
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8 point
Joined: Jul 2015
Posts: 1,901 |
OP’s underinsured motorist coverage should extend to his trailer and protect above the $25k. PS if you don’t have underinsured / uninsured motorist you should it is super cheap d worth every dime.
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Joined: Jul 2020
Posts: 8,863
14 point
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14 point
Joined: Jul 2020
Posts: 8,863 |
Frank Buck is who I used on mine. His litigator is tough.
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