If you have been in a serious car crash, there are several steps you should take following the accident. These will primarily revolve around insurance claims and possible lawsuits as you attempt to recover compensation for medical bills, lost wages and property damage. Each state has a different way of handling personal-injury claims, and if you are in a crash in Birmingham or Mobile, Alabama, it is important that you understand the potential repercussions.

insured car metaphor via bubble wrapped toy car

Is Alabama a no fault state for auto insurance?

States around the country usually follow one of two insurance precedents: fault or no-fault. According to the Alabama Department of Insurance, Alabama follows the fault insurance system with regard to car crashes and insurance claims. That means the legal responsibility of the drivers involved in an accident will impact who receives compensation.

Drivers who have crashes in fault states have more options when establishing how to claim for damages or compensation after a crash. The three choices involve filing a claim with your own insurance organization, filing a claim against the at-fault driver’s insurance company and launching a personal-injury suit against the negligent party.

How you choose to proceed depends on several factors, and your personal-injury lawyer may be able to offer insightful advice. Another common query regards what happens if you crash into an uninsured or underinsured driver in Alabama.

Alabama and Uninsured or Underinsured Drivers

According to the Alabama Code, you are not required to carry no-fault insurance. Remember, Alabama is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering. Alabama law does not specify that you need to have uninsured motorist insurance, but it can offer peace of mind if you are in a serious crash. If you have this form of insurance and you crash into an uninsured or underinsured driver, you may be able to recover the full cost of the damages. If not, your insurance claim may not pay you enough to cover the costs of your injuries or lost wages.

When should you contact a personal-injury lawyer?

If you sustained serious injuries in a collision in Alabama, a Mobile personal-injury lawyer may be able to assist you. At Morris Bart, LLC, we have a large team of skilled attorneys ready to assist with your personal-injury claim. We can assess your case to determine if you are eligible for compensation for lost wages and medical expenses. Call us today at 1-888-996-7971 to schedule an appointment with a member of our team, and read on for more information regarding insurance claims in Alabama.

March 11, 2015 | Categories: Auto Accidents, Legal Tips |