Why you need uninsured/underinsured motorist coverage   If you’re in an accident and the other driver is uninsured or doesn’t have enough insurance, will your injuries be covered? If you have uninsured/underinsured motorist protection (UM/UIM coverage), the answer is probably “yes.” Many auto insurance industry experts recommend choosing this option. You might think that because …

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What is an umbrella insurance policy?   What is an umbrella policy? How much coverage do I need? When you buy a house or a car or open a business, you may decide to purchase the minimum required insurance coverage. Such coverage may be sufficient after a minor fender-bender or if your roof is damaged …

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Calculating compensation for emotional distress   Most states, including Alabama, recognize economic, non-economic, and punitive damages in personal injury cases. Emotional distress falls in the non-economic category.  Calculating economic damages when the plaintiff was injured because of the defendant’s negligence is straightforward. Such damages may consist of medical expenses, lost wages, and property damage. Calculating …

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