The other driver has no insurance — or not enough. We help you recover through your own policy.
Alabama has one of the highest rates of uninsured drivers in the nation. An estimated 18–20% of drivers on Alabama roads carry no insurance at all. Thousands more carry only the state minimum — $25,000 per person — which is nowhere near enough for serious accidents.
When an uninsured or underinsured driver causes your accident, you have options. The Lackey Law Firm has helped Huntsville accident victims recover compensation through their own UM/UIM coverage for over 40 years.
Protects you when the at-fault driver has:
Protects you when the at-fault driver's coverage is insufficient. For example:
The driver flees the scene and is never identified. Your UM coverage steps in to provide compensation for injuries and damages.
The at-fault driver admits they have no insurance, or their policy lapsed for non-payment.
The at-fault driver carries only Alabama's minimum $25,000/$50,000 coverage, which is quickly exhausted by serious injuries.
Complications arise when the at-fault driver is from another state with different insurance requirements.
The driver of a stolen vehicle typically has no coverage, triggering your UM benefits.
Your UM/UIM coverage can compensate you for the full extent of losses caused by the at-fault driver — not just immediate medical bills.
UM/UIM coverage applies to bodily injury. It does not cover damage to your vehicle — that falls under collision coverage in your policy.
We obtain documentation of the other driver's insurance status through police reports, insurance verification, and direct contact with their insurer.
Even when claiming against your own insurer, you must prove the other driver caused the accident. We gather accident reports, witness statements, photographs, video, and expert analysis.
We document every aspect of your losses: medical records and bills, employment records showing lost wages, expert testimony on future medical needs, and evidence of pain and suffering.
Your insurance company will try to minimize your payout. We negotiate aggressively for full and fair compensation — because your insurer's interests and yours are not the same.
If your insurance company refuses to offer fair value, we file a lawsuit against them. When an insurer unreasonably denies or delays a valid claim, it may constitute a "bad faith" insurance claim.
Many people assume, "It's my own insurance company — they'll take care of me." This is a mistake. When you make a UM/UIM claim, your insurer steps into the shoes of the at-fault driver. Their goal is to pay you as little as possible.
An experienced attorney knows these tactics and exactly how to counter them. We've handled UM/UIM claims against every major insurer operating in Alabama.
From the date of the accident to file a lawsuit in Alabama for personal injury claims.
Many policies require written notice of a UM/UIM claim within 30 to 60 days of the accident.
Your policy may impose internal deadlines for submitting documentation of your losses.
Separate from the general statute, your policy may set its own deadline to file suit against your insurer.
Don't wait. Missing a deadline can permanently bar your right to recover.
Contact Us NowWe've been handling UM/UIM and auto accident cases in Huntsville since 1981. We know the local courts, the insurance companies, and how to win.
Most firms settle for whatever the insurance company offers. We prepare every case for trial — and insurance companies know it.
Not a case manager. Not a paralegal. You get the cell phone number of the attorney handling your case directly.
We advance all costs. You pay nothing unless we recover compensation for you. No financial risk in reaching out.
We've recovered millions for injured clients across hundreds of cases throughout North Alabama and the Tennessee Valley.
The Lackey Law Firm is a law family. We treat every client the way we'd want our own family treated — with patience, care, and clear communication.
