(a) No automobile liability or motor vehicle liability policy insuring against loss resulting from liability imposed by law for bodily injury or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall be delivered or issued for delivery in this state with respect to any motor vehicle registered or principally garaged in this state unless coverage is provided therein or supplemental thereto, in limits for bodily injury or death set forth in subsection (c) of Section 32-7-6, under provisions approved by the Commissioner of Insurance for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom; provided, that the named insured shall have the right to reject such coverage; and provided further, that unless the named insured requests such coverage in writing, such coverage need not be provided in or supplemental to a renewal policy where the named insured had rejected the coverage in connection with the policy previously issued to him or her by the same insurer.
(b) The term uninsured motor vehicle shall include, but is not limited to, motor vehicles with respect to which:
(1) Neither the owner nor the operator carries bodily injury liability insurance;
(2) Any applicable policy liability limits for bodily injury are below the minimum required under Section 32-7-6;
(3) The insurer becomes insolvent after the policy is issued so there is no insurance applicable to, or at the time of, the accident; and
(4) The sum of the limits of liability under all bodily injury liability bonds and insurance policies available to an injured person after an accident is less than the damages which the injured person is legally entitled to recover.
(c) The recovery by an injured person under the uninsured provisions of any one contract of automobile insurance shall be limited to the primary coverage plus such additional coverage as may be provided for additional vehicles, but not to exceed two additional coverages within such contract.
Structure Code of Alabama
Title 32 - Motor Vehicles and Traffic.
Chapter 7 - Motor Vehicle Safety-Responsibility Act.
Section 32-7-1 - Citation of Chapter.
Section 32-7-3 - Administration of Chapter; Appeal to Court.
Section 32-7-4 - Director to Furnish Operating Record.
Section 32-7-5 - Report Required Following Accident.
Section 32-7-6 - Security Required; Suspensions; Applicability.
Section 32-7-6.1 - Motor Vehicle Liability Insurance Coverage.
Section 32-7-7 - Further Exceptions to Requirement of Security.
Section 32-7-8 - Duration of Suspension.
Section 32-7-10 - Form and Amount of Security.
Section 32-7-11 - Custody, Disposition and Return of Security.
Section 32-7-12 - Matters Not to Be Evidence in Civil Actions.
Section 32-7-13 - Courts to Report Nonpayment of Judgments.
Section 32-7-15 - Suspension to Continue Until Judgments Paid and Proof Given.
Section 32-7-16 - Payments Sufficient to Satisfy Requirements.
Section 32-7-17 - Installment Payment of Judgments.
Section 32-7-18 - Proof of Financial Responsibility Required Upon Certain Convictions.
Section 32-7-20 - Certificate of Insurance as Proof.
Section 32-7-21 - Certificate Furnished by Nonresident as Proof.
Section 32-7-22 - Motor Vehicle Liability Policy Defined; Policy Provisions.
Section 32-7-23 - Uninsured Motorist Coverage; "Uninsured Motorist" Defined; Limitation on Recovery.
Section 32-7-24 - Notice of Cancellation or Termination of Certified Policy.
Section 32-7-25 - Chapter Not to Affect Other Policies.
Section 32-7-26 - Bond as Proof of Financial Responsibility.
Section 32-7-27 - Money or Securities as Proof.
Section 32-7-28 - Owner May Give Proof for Others.
Section 32-7-29 - Substitution of Proof.
Section 32-7-30 - Additional Proof May Be Required.
Section 32-7-31 - Duration of Proof; When Proof May Be Cancelled or Returned.
Section 32-7-32 - Transfer of Registration to Defeat Purpose of Chapter Prohibited.
Section 32-7-33 - Surrender of License and Registration.
Section 32-7-34 - Self-Insurers.
Section 32-7-35 - Assigned Risk Plans.
Section 32-7-37 - Other Violations; Penalties.
Section 32-7-38 - Employment of Necessary Employees.
Section 32-7-40 - Chapter Supplemental to Other Laws.
Section 32-7-41 - Chapter Not to Prevent Other Process.