ALABAMA AUTO INSURANCE GUIDE
Alabama Uninsured & Underinsured Motorist Coverage
Alabama Code § 32-7-23 requires uninsured-motorist bodily-injury coverage in automobile liability policies unless the named insured rejects it. The statutory definition of an uninsured motor vehicle includes qualifying underinsured situations where available bodily-injury liability limits are less than the injured person’s legally recoverable damages.
- Obtain the declarations page, UM/UIM endorsement and any rejection.
- Identify every person who may qualify as an insured under each potentially applicable policy.
- Compare available liability limits with legally recoverable damages when analyzing underinsured-motorist coverage.
- Review settlement, subrogation, notice and consent provisions before resolving the liability claim.
Primary Alabama Source
Ala. Code § 32-7-23 — UM/UIM Coverage
Current-law review: September 16, 2026. Alabama UM/UIM rights depend on insured status, available liability insurance and the policy actually issued.
VictimsGuide 