Recently in Uninsured Motorist Category

January 31, 2015

Alabama Mutual Insurance Co. v. City of Fairfield - State High Court Weighs Class-Action UM Claim

An insurance company providing workers' compensation coverage and uninsured/underinsured motorist coverage to cities (and hence, their workers) across the state pulled what many considered to be an illegal move.
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As was later detailed in the case of Alabama Mutual Insurance Corp. v. City of Vernon, the city alleged in 2005 the insurer excluded city workers from collecting both workers' compensation and UM benefits in the event workers were involved in an on-the-job accident. Workers' compensation would thus be the only damages a worker could collect in the event of a serious crash. (They couldn't sue the employer, due to the exclusive remedy provision, and suing the other driver who lacked insurance would likely be fruitless.)

Vernon argued this move by the insurer was a breach of contract that effectively rendered the city's UM/UIM coverage as "illusory." The city had contracted with the insurer to provide UM/UIM benefits to injured workers. It paid for those benefits. And yet, the city didn't actually receive any coverage because the insurer cut out the only persons who had any realistic chance of collecting those benefits - city workers and volunteers.

Continue reading "Alabama Mutual Insurance Co. v. City of Fairfield - State High Court Weighs Class-Action UM Claim" »

June 20, 2014

Underinsured Motorist Benefits a Safety Net for Many Motorists

In the recent Alabama Civil Court of Appeals case of Perry v. USAA Casualty Insurance, the plaintiff has been fighting for - and likely will obtain - uninsured motorist benefits from two separate sources.
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She has been fighting to have a payout tendered ever since the crash in question occurred in October 2007 in Madison County. As our Montgomery car accident attorneys know well, insurance firms will aggressively battle to keep their costs as low as humanly possible, regardless of the legitimacy of the claim.

This often means customers will be given low-ball offers or in some cases, denied coverage altogether. This is unacceptable, and the only way to ensure a fair deal is to take the case to court. As this case reveals, there are situations where that battle can drag on for years. But if your attorney is experienced and the case is strong, it can mean justice at the end of the journey.

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January 27, 2011

Alcohol-Related Auto Accidents: The Offender May Not Be The Only Source Of Recovery

A Gulf Shores, Alabama man pled guilty to DUI Manslaughter earlier this week in a Florida Court in connection with a drunk driving collision in which one man was killed and another seriously injured. The at-fault driver faces up to 20 years in prison. (Montgomery Advertiser 1-25-11 - from the Associated Press). Assuming the at-fault driver was insured, the family of the deceased driver is likely to recover the limit of the available liability coverage. Many drivers only have liability insurance coverage for the minimum limit under Alabama law of $25,000. However, there may be other potential defendants and/or sources of recovery.

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August 27, 2010

Settlement With Underinsured Motorist Carrier For Victim In Drunk Driving Wreck

Montgomery, Alabama personal injury attorneys Allred & Allred, P.C. recently obtained a six figure settlement on behalf of a woman who was rear-ended by a drunk driver early one Sunday morning. The victim, who was on the way to see her grandson, was waiting to make a left turn when a drunk driver hit her from behind at highway speed. Our client suffered an aggravation of a pre-existing condition in her spine and was unable to work thereafter.

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