[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"Preparing for the unexpected is crucial to protect yourself from financial strain after a severe car accident. For example, adding UM\/UIM coverage to your policy can offer a safety net if the at-fault driver lacks sufficient insurance.  Adding collision and comprehensive coverage to your policy is another smart move if you can afford it. Collision coverage helps pay for repairs to your vehicle after an accident, regardless of who caused the collision. Comprehensive coverage, on the other hand, protects you against non-collision-related incidents, such as theft or natural disasters. Both types of coverage provide a broader safety net, ensuring you\u2019re not left stranded financially after unforeseen events.  Consider investing in an umbrella policy as well. This extra layer of insurance kicks in when the costs of a claim exceed the limits of your standard auto insurance policy, offering additional peace of mind and protection against significant financial losses.  Periodically reviewing and increasing your policy limits can keep you ahead of rising medical costs and repair expenses. As your life changes, so do your insurance needs. Ensuring your coverage reflects your current situation is pivotal in providing the protection you need.","@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question1","text":"In most circumstances, you have two years after an Alabama car accident to file a lawsuit against the other driver and any other liable parties. If you have significant expenses after a crash, it\u2019s essential to speak with a lawyer immediately. Our skilled car accident lawyers are ready to review your options for pursuing maximum compensation and help you find the best path forward.","@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"FAQPage","name":"What Happens When a Car Accident Claim Exceeds Insurance Limits in Alabama?","mainEntity":[{"@type":"Question","name":"How Can I Protect Myself in Case of Severe Injuries?","acceptedAnswer":{"@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Answer"},"@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Question"},{"@type":"Question","name":"How Long Do I Have to File a Car Accident Lawsuit in Alabama?","acceptedAnswer":{"@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Answer1"},"@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#Question1"}],"@id":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#FAQPage"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.gartlaninjurylaw.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"What Happens When a Car Accident Claim Exceeds Insurance Limits in Alabama?","item":"https:\/\/www.gartlaninjurylaw.com\/blog\/what-happens-when-a-car-accident-claim-exceeds-insurance-limits-in-alabama\/#breadcrumbitem"}]}]