Insurance
The attorneys of Richardson Maples, PC have successfully handled a wide variety of insurance-related matters on behalf of plaintiffs, drawing on their background in insurance defense to provide personal injury clients a significant level of expertise at handling personal injury cases comprehensively and effectively.
Insurance-Related Experience
When individuals are involved in an automobile, trucking, or motorcycle accident and there are resulting medical expenses and property damage expenses, people contact their insurance companies or the other party's insurer to recover for the expenses incurred. Often, because insurance companies generally have their own agenda differing from the interests of their insureds, negotiating with insurance companies can prove to be a difficult task.
At Richardson Maples, PC, our lawyers know what makes the insurance industry tick. Our experience as lawyers who once worked FOR insurance companies provides us the insight needed to handle claims AGAINST the insurance industry. As a result, our attorneys excel in insurance matters and can work efficiently and successfully to maximize our clients' recoveries. The firm assists clients with the following types of insurance coverage matters:
- Coverage policy disputes
- Claim disputes
- Insurance bad faith, including wrongful denial of claims
- Uninsured motorist claims
- Underinsured motorist claims
Alabama Insurance Minimum Coverages
Alabama requires all registered motor vehicles to have automobile liability insurance. The state requires the following minimum amounts of coverage:
- $25,000 for injury liability for one person per accident
- $50,000 for all injuries in an accident
- $25,000 for property damage in an accident
Automobile accidents are one of the most common types of personal injury accidents that occur. Drivers should be aware of their states' insurance laws so that drivers can minimize their out-of-pocket expenses in the event of an automobile accident. Unlike many states, Alabama is NOT a no-fault state, and it is important that a personal injury attorney be familiar with insurance coverages unique to Alabama, such as Medical Payments coverage. At Richardson Maples, PC, our attorneys know from experience what the insurance companies are thinking, so we can work with you to secure all the coverage to which you are entitled for your injuries.
Although the law requires liability insurance, there are those who ignore the law, and many times our clients find themselves injured at the hands of an uninsured driver. And these days, who could argue that $25,000.00 is sufficient coverage for a catastrophic injury? Thus our attorneys are well-versed in securing uninsured motorist and underinsured motorist benefits for our clients, by direct claims against their own insurance carriers. We believe our knowledge of insurance sets us apart from most lawyers, and is a vital part of our success in handling claims for victims of accidents and personal injuries. Richardson Maples, PC represents plaintiffs who have been injured in accidents and need legal assistance in dealing with the resulting insurance issues.
For effective representation from an experienced team of lawyers, contact Richardson Maples, PC today for a free consultation.
