Searching for available insurance coverage after a car accident can be difficult—especially when your claim is denied. This image represents the importance of investigating all possible coverage options, including uninsured or underinsured motorist policies.

If you've been injured in a car accident in Alabama and were told there's no insurance coverage — either from your insurer or the other driver's — you're not alone. You're probably feeling frustrated, overwhelmed, and unsure what to do next.

Attorney Dillon Hobbs has helped many Alabamians whose claims were denied or mishandled by insurance companies. One of the first and most important steps after a wreck is determining what coverage exists — even if an insurance company says there's none.

Why Insurance Coverage Matters After a Car Accident in Alabama

Your ability to recover money for medical bills, lost wages, and pain and suffering depends heavily on available insurance coverage.

But here's the problem:
Insurance companies don't always tell you the full story.

They may:

• Deny coverage too quickly

• Interpret the policy narrowly

• Omit information about your rights under Alabama insurance law

That's why it's so important to have someone review the denial, ask the right questions, and search for other possible coverage.

Common Reasons Insurance Companies Deny Coverage After a Car Wreck

If the other driver's insurance denies coverage — for example, claiming their policy doesn't apply, the driver wasn't authorized, or the vehicle wasn't listed — don't assume they're right.

Why? Because:

• The denial might be based on incomplete or inaccurate information

• The insurer may still have a duty to defend and pay, even if they dispute it

• There could be other policies that apply (such as an employer's policy)

Attorney Dillon Hobbs can help you evaluate whether the denial is valid and identify all available paths to compensation. Don't rely solely on what an insurance adjuster says.

Do You Have Uninsured or Underinsured Motorist Coverage?

Even if you don't remember adding uninsured/underinsured motorist (UM/UIM) coverage to your policy, it might still be there.

In Alabama, insurers must offer UM/UIM coverage, and unless you rejected it in writing, you probably have it.

To find out:

• Review your insurance declarations page

• Ask your agent or insurer for clarification

• Understand your rights under Alabama's UM/UIM laws

At Hobbs Law, we regularly help clients identify hidden or overlooked insurance coverage they didn't realize existed.

What to Do If Your Insurance Claim Is Denied After a Car Accident

If you've been told there's no coverage after an accident, don't give up. Insurance denials are not always final, and other coverage might be available.

Here's what you should do:

1. Don't panic — insurance companies often deny claims prematurely.

2. Get a second opinion from a knowledgeable car accident attorney.

3. Gather your insurance paperwork — including the declarations page.

4. Schedule a consultation with Hobbs Law to evaluate your options.

Attorney Dillon Hobbs is here to listen, review your case, and explain your rights — with no pressure and no obligation. If he believes he can help, you'll know exactly what comes next.

FAQs: Insurance Denials After Alabama Car Accidents

Q: Can I fight an insurance denial in Alabama?
A: Yes. Insurance denials can be appealed or challenged, especially if the denial was based on incomplete facts or misinterpretation of the policy.

Q: What if the other driver didn't have insurance?
A: You may be able to file a claim through your own uninsured motorist coverage, which could help cover medical expenses, lost income, and more.

Q: Do I really need a lawyer for this?
A: If your claim was denied, working with an attorney can help you uncover other coverage and hold insurers accountable under Alabama law.

Get Help Today

If you've been told there's no insurance coverage after a crash, don't accept that answer without speaking to an attorney first.

Call Hobbs Law, LLC today at (205) 683-2892 or contact us online to schedule a consultation and learn how we can help