Alabama follows a ‘fault’ system when it comes to giving compensation after a car accident. This means that any driver who is found guilty for causing the car accident to occur must pay for the damages.

Since Alabama follows this fault ruling it is vital for every vehicle owner to carry a significant amount of insurance that covers everything from medical bills to property damage, both for themselves and for other individuals hurt in the accident. With the right insurance, a person can minimize their losses after a collision, even if the accident was their fault to begin with.

In Alabama, drivers are expected to have minimum insurance of $25,000 of damage to property, $25,000 of bodily injury per person, and $50,000 for death or bodily injury of more than one person. This is the bare minimum amount of insurance every driver is expected to hold, but it is always a better idea to carry more insurance to ensure a person is thoroughly covered.

It can be difficult to choose from the various packages, especially when a person has no idea what features may or may not benefit them in an insurance package. Calling an accident lawyer is a good way for a person to get advice on what insurance coverage they need most and what features are simply unnecessary and should, therefore, be avoided.

If the driver was at fault, they will have to request compensation from their own insurer, if the other driver was at fault, a person has the option of claiming their insurance and filing a lawsuit against them. In Montevallo, Alabama, a person has two years from the date of the accident to file an accident claim. If they don’t file a claim within this two-year period, there are high chances their lawsuit will be ignored in court.


How can I legally defend myself after a car accident?


After getting into a serious collision, a person may find they owe the victims of the accident thousands of dollars in medical bills and property damage. If a person was properly insured they won’t have to worry about getting the money, but if they were not insured or if they are being sued by the other party then it can be difficult to arrange for this money. A person’s best option is to make sure they reduce their penalties and their fault by as much as possible and the best way to do this is by connecting with an experienced accident lawyer.

An experienced lawyer can aid a person in building their defenses to prove that they were not the only ones at fault for the accident and can help them collect the required evidence and present it in court as well.