Car accidents are, unfortunately, an everyday phenomenon in Alabama. Even if you are the safest driver on the road, you can’t control what other motorists do. By understanding your legal rights and responsibilities in the event of a car accident in Alabama, you can take the necessary steps to ensure that you are duly compensated for damages and injuries.
Insurance requirements
In Alabama, all motorists must carry liability insurance coverage. This means that if you cause a car accident, your liability insurance will cover the other driver’s medical bills and property damage up to the limits of your policy. If the costs exceed the limits of your policy, you may be responsible for paying out of pocket. Additionally, any drivers who do not have sufficient liability insurance may have their registration suspended until they purchase it.
After an accident
After an accident occurs in Alabama, the law requires every driver involved to stop at once and exchange pertinent information, such as contact information and vehicle insurance information, with each other. It is also essential to call 911 so law enforcement can file a report of the accident. The state could fine you, or you might even face criminal charges if you fail to call the police.
Contributory negligence
Alabama follows contributory negligence law when determining fault in auto accidents. Under this rule, the court will assign each driver involved in the crash a portion of the fault for causing it and must pay damages accordingly. However, if your share of fault exceeds 50%, then the judge may bar you from recovering any compensation at all.
Statute of limitations
In Alabama, car accident victims have two years from the date of their injury to file a claim against the other driver or entity responsible for their damages. If you fail to do so within the allotted time frame, the law will usually dismiss your case or bar you from recovering any compensation.
Dealing with a car accident in Alabama can be simpler if you understand what to expect and how the law works. By having the proper insurance coverage, exchanging information with other drivers involved and filing a claim within the statute of limitations, you can ensure that you get the compensation that you need for your damages.