You, like many Madison residents, may be quite proud of your driving skills and the fact that they have allowed you to stay relatively safe on the road. Statistics seem to show, however, that the likelihood of you being able to completely avoid any car accident issues in your lifetime may be quite low. In fact, the Alabama Department of Transportation reports that as recently as 2012, car accidents were reported at an average of every 246 seconds in the state. In some cases, your involvement in an accident may not be as a driver, but rather as a passenger. If that happens, how are you to get your accident expenses covered?
Your first step would be to file a claim to the liability insurance of the driver who was at fault. Yet what if your accident expenses exceed the amount of liability coverage offered through that driver’s policy? Rather than being stuck with bill, you may also be able to file a claim against the other driver’s insurance to cover the remaining amount.