In Alabama, when is uninsured motorist coverage included in an automobile liability policy?

Uninsured motorist coverage is included in an automobile liability policy in Alabama by default unless the insured specifically rejects it in writing. This provision is designed to protect insured drivers from the financial impact of accidents caused by drivers who do not have insurance coverage. The rationale behind this is to ensure that drivers are adequately protected and that they have a means of recovering damages when the at-fault party lacks insurance.

In situations where the insured does not want this coverage, they must provide a clear, written rejection, which highlights the importance of informed decision-making regarding coverage options. By having this rule in place, Alabama aims to enhance roadway safety and provide financial protection for all drivers within the state.