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Have you been injured by an under-insured motorist? For a free consultation call (866) 434-5840 http://www.deanwaite.com/car-accident... In Alabama, up to 40% of the drivers are riding around without any car insurance. And our mandatory liability insurance law is a joke. Because of this it's extremely important that Alabama drivers carry as much uninsured and underinsured motorist coverage as possible. Uninsured motorist coverage will cover you from bodily injury you sustained if you're in an automobile crash that's caused by an uninsured driver. If you're hit by an uninsured driver and don't have any uninsured motorist coverage, you cannot recover for your injuries. Now under-insured motorist coverage will cover you for bodily injury you sustained if the person that caused the crash does not have enough liability coverage to cover your injury.