In some low budget insurance policies, punitive damages are excluded or not covered under the policy. These low-grade insurance companies do this for one reason – to stick it to the people who pay them money for coverage and to those injured by someone’s reckless actions. Due to this tactic, it is vital to get uninsured motorist coverage. Alabama law prohibits uninsured motorist companies from excluding coverage for punitive damages. For example, if a drunk driver hits and injures or kills someone in a car accident, the victim’s uninsured motorist company pays. Uninsured motorist coverage is cheap to buy, protects the victim, and can alleviate some of the damage due to another person’s reckless conduct.