Car insurance serves as a crucial method of protection for all road users, but many people fail to understand how it can benefit them if they cause an accident or are innocent. Car accidents can be traumatic events, and they also tend to be costly. Aside from expensive property damage, many people who sustain injuries struggle to pay medical bills, and the injuries often force victims to take time off work while recovering, which is equally expensive.
Most states have some form of insurance requirement, but it differs from state to state. If you intend to drive on Alabama roads, it is important to keep the state insurance laws in mind. If you sustain injuries or cause a crash, this information may prove invaluable.
How Morris Bart & Associates, LLC Can Help After an Alabama Accident
At Morris Bart, LLC, we can help you with the legal process following an accident that resulted in a serious injury. If you were in a collision that was not your fault, give us a call for advice, and we may be able to help.
We can evaluate the circumstances surrounding the crash and establish if you have grounds to claim for compensation. If successful, you could receive damages for medical expenses and lost wages, which you can use to recover from your injuries and start getting your life back on track.
To speak to a Mobile personal injury attorney about your crash, call us today at (800) 537-8185. We will schedule an appointment and then commence the process of evaluating your accident.
For a free legal consultation, call 800-537-8185
Important Factors to Keep in Mind Regarding Alabama’s Insurance Laws
To protect your rights and ensure you can pursue fair compensation after a crash in Alabama, it pays to understand at least the basics of auto insurance. Some things you should know include:
Rationale Behind Minimum Car Insurance in Alabama
According to Alabama.gov, state law requires that drivers have a minimum amount of car insurance. Liability insurance is important for all road users because it covers the victims who incur bills and suffer injuries. It ensures at-fault drivers do not have to use their own assets to pay for medical expenses and property damage suffered by victims in the event of a crash.
This means that if you cause the accident, your liability insurance will cover up to your insurance limit of the other driver’s damages. The law will also offer equal protection toward you if you sustain injuries due to another driver’s negligence and the at-fault party carries the required insurance coverage.
Minimum Insurance Levels
According to Alabama state law, all drivers must have at least $25,000 coverage if one person sustains injuries in an accident. When more than one person sustains an injury, the law requires the driver to have $50,000 in coverage. The minimum property damage coverage is $25,000. This is often referred to as 25/50/25 coverage. Insurance carriers in Alabama should offer this as the minimum liability policy available.
When you are shopping for auto insurance, this is the only required policy in Alabama. However, there are many other types of coverage available to you. Generally, other policies offer benefits for you while your minimum required coverage pays for the victims of a crash you caused.
Other types of insurance policies you may want to consider include:
- Uninsured and underinsured motorist coverage to cover your expenses if the at-fault driver does not have the required liability policy
- Medical expense coverage to pay for your necessary treatment and care regardless of fault
- Collision and comprehensive policies to cover your car repairs after a crash or another incident caused damages
What Happens If My Damages Exceed the Minimum Insurance Requirements?
When you are hurt in a crash, this means you should have access to at least $25,000 in bodily injury coverage for your medical bills, lost wages, and pain and suffering, and $25,000 for your car repairs. If your claim exceeds the minimum amount of insurance that the other driver has, you may need to seek a legal remedy. At Morris Bart, LLC, we can help you with this process.
Your attorney may be able to negotiate a settlement with their insurer or sue the at-fault driver and ask the jury to award additional damages based on the facts of your case. Pursuing damages with the help of a car accident attorney from the Morris Bart law firm may allow you to recover money for:
- Your medical bills to date and your future treatment and care costs
- Lost wages from time missed at work and future lost income
- Vehicle repair or replacement if totaled
- Other related expenses documented by bills, receipts, etc.
- Pain and suffering and other intangible losses
Families of those who died in a car crash can also take legal action to pursue damages. However, this works differently in Alabama than in most states. Mourning family members can only recover punitive damages in wrongful death claims. Our team can explain how insurance coverage applies in these cases and assess your case for free during a free consultation.
Talk to a Morris Bart & Associates, LLC Car Accident Attorney for Free Today
Call us today at (800) 537-8185 to schedule an appointment to find out if you may have a valid car accident claim. A Mobile personal injury lawyer can help you understand the various legal procedures and examine the details of your crash to determine if it may be beneficial to claim for additional medical expenses or lost wages.
Our attorneys have 15 locations in four states to serve car accident victims. This includes our six locations in Alabama: Birmingham, Decatur, Hoover, Huntsville, Mobile, and Montgomery. We are a contingency fee personal injury law firm.
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