Is Alabama a No-Fault State | Alabama

Alabama Injury Lawyer · Pay no fees until we win!

Call us Now:

Is Alabama a No-Fault State

Navigating Legal Challenges After a Car Accident in Alabama

Are you wondering, “Is Alabama a no-fault state?” If you’ve been in a motor vehicle accident in the Heart of Dixie, understanding the legal landscape is crucial. At Petro Accident and Injury Attorneys, we’re here to break down the complexities of Alabama’s legal system for you.

Accidents happen when we least expect them and dealing with the aftermath can be overwhelming. That’s where our trusted legal team comes in. We help individuals navigate the legal challenges that arise after a car accident, ensuring you receive the compensation you deserve. 

Quick Summary

Below is an overview of the key points of this article.

  • Alabama is a “fault” state, meaning if you cause a car accident, you’re responsible for others’ injuries and expenses.
  • Alabama requires $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Consider higher coverage due to serious injuries.
  • After a collision, study the circumstances, review your insurance, file a claim with the at-fault driver’s insurer, consider suing if discussions fail, and use your uninsured/underinsured motorist policy.
  • Examples of driver negligence that can lead to fault include distracted or drunk driving, speeding, aggressive driving, and failure to yield.
  • Car manufacturers, government entities, construction crews, and employers can share fault in your car accident injuries.
  • You have two years to file a car accident lawsuit in Alabama, starting from the accident date.
  • Establishing fault includes proving duty of care, breach of duty, causation, and damages to establish fault.
  • Police reports, eyewitness accounts, photos or videos, traffic laws, expert analysis, driver statements, and surveillance footage can help prove fault.
  • Alabama’s contributory negligence rule can bar compensation if you’re even 1% at fault. Consult our attorney to navigate this rule.
  • Economic damages cover medical bills, lost wages, therapy, and property damage. Non-economic damages include pain and suffering, disfigurement, emotional distress, and loss of enjoyment of life.
  • Punitive damages are not common but can be awarded in extreme cases as a penalty and deterrent for reckless behavior.

If you or a loved one has been involved in a motor vehicle accident in Alabama, read on to discover how Petro Accident and Injury Attorneys can
provide the legal guidance and support you need during this challenging time. Don’t wait – let us help you on the road to recovery today.

What is No-Fault?

In a no-fault system, you don’t need to establish fault to seek medical care after an automobile accident. Your own Personal Injury Protection (PIP) insurance usually pays for medical bills and other damages. 

In no-fault states, you are able to sue the motorist if your insurance won’t cover your expenditures or you’ve been seriously injured.

Is Alabama a No-Fault State?

Alabama doesn’t have no-fault insurance. This is a “fault” state. If you’re liable for a car crash in Alabama, you may have to pay for the medical costs and other losses you caused others.

What Are Alabama Auto Insurance Laws?

Starting from 2017, folks driving in Alabama are required to have car insurance for their vehicles. The majority of vehicle owners need to make sure they have at least:

  • Coverage of $25,000 per person and up to $50,000 for injuries in a single accident
  • Coverage of $25,000 for any property damage

These are Alabama’s minimum vehicle insurance limits, however we advocate larger limits. This is because a major injury can quickly exhaust basic coverage. Big rigs (18-wheelers) may also have greater policy limitations.

What to Do Following a Car Accident in Alabama?

In a fault state like Alabama, vehicle accident information and rights are crucial. In Alabama, vehicle accident liability depends on who caused the collision and how it caused injuries. After an accident, you should:

Understand the Details of the Accident

Understanding how and who caused the disaster is vital. In the early aftermath, chaos can ensue, thus investigators should ascertain the chronology of events.

Assess Your Insurance Coverage

Review your insurance policy even if Alabama is fault-based. Optional coverages may help during this difficult period. These optional coverages might supplement basic financial help.

Initiate a Claim With the At-Fault Driver’s Insurance

If the driver responsible for the accident has liability insurance, as mandated by Alabama law, you may be eligible to seek compensation through their policy. This is often the first step in the process of recovering damages for your injuries and losses.

Consider Filing a Car Accident Lawsuit

Negotiations with the at-fault driver’s insurance company may fail to reach a fair payment. When this happens, a vehicle accident lawsuit may be needed. This step seeks legal restitution for all your losses.

Utilize Your Uninsured or Underinsured Motorist Coverage

Unfortunately, the at-fault motorist may not have enough insurance to pay your costs. In such instances, your auto insurance policy may help Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage. 

This coverage can help bridge the gap and provide additional financial support when the at-fault driver’s insurance falls short.

Who Can Be Held Liable for My Car Accident Injuries?

Car accident liability usually involves negligence. A driver’s negligence causes injuries by not driving safely. Some examples of driver negligence that might lead to fault:

Distracted Driving

Drivers who use their phones, eat, adjust the radio, or do anything else that pulls their concentration away from the road are considered distracted. The driver may not respond in time to avoid a collision.

Drunk or Drugged Driving

Drunk driving impairs judgment, coordination, and reaction time. Due to their inability to make safe decisions and operate their vehicles, drunk or drugged drivers increase accident risk.


Speeding exceeds the speed limit or is unsafe for road and weather circumstances. Excessive speed makes it harder for drivers to stop, worsens accidents, and slows their reactions, making it a common cause of accidents.

Aggressive Driving

Aggressive driving includes tailgating, road rage, weaving, and breaking traffic laws. These acts create a dangerous driving environment and can lead to accidents owing to the disregard for other drivers.

Failure to Yield

Negligence occurs when drivers fail to yield at intersections, crosswalks, or highway merges. It can cause collisions when one driver fails to yield and another must evade.

Sometimes persons other than the driver are responsible for a car accident. Parties can include:

Car Manufacturers

Car manufacturers are liable for accidents caused by design, manufacturing, or safety flaws. Failure to deploy airbags, bad brakes, and poor tires are examples. These instances may make the manufacturer accountable for accident injuries.

Government Entities or Construction Crews

Highway and street construction personnel and government road maintenance agencies may share liability for car accidents. Accidents caused by poor road conditions, signs, or construction can happen. 

In such circumstances, the government or construction crew responsible for safety and upkeep may be liable for injuries.


Car accidents that occur while an employee is driving a corporate vehicle or executing errands for the employer might make employers accountable. If the employee’s negligence caused the accident, the employer may be liable for injuries and damages.

What Will Happen If the At-Fault Driver Was Uninsured or Underinsured?

Alabama Traffic Code Section 32-7-23 does not require drivers to carry Personal Injury Protection (PIP) coverage, which is common in no-fault states. Alabama doesn’t offer PIP.

Alabama uses a tort system, so the at-fault motorist pays for victims’ medical bills, lost income, and other losses.

The at-fault driver’s absence of mandatory vehicle liability coverage makes it difficult to pay for the victim’s medical bills, lost earnings, and other losses. Such difficulties have few solutions:

  • You can make a claim using your uninsured motorist coverage, which is designed to step in when the at-fault driver doesn’t have insurance. This coverage can help cover your damages.
  • You have the option to file a lawsuit against the driver responsible for the accident and seek compensation from their personal assets to cover your losses.
  • If you have collision coverage, you can use it to handle car repair expenses. Additionally, if you have a Medical Payment (MedPay) policy, it can assist in covering medical costs related to the accident.
  • You can rely on your health insurance coverage to pay for your medical bills resulting from the accident. For other damages not covered by insurance, you may need to cover them from your resources.

As shown, some options are better than others. It’s usually best to file an uninsured driver claim to get money for bills, repairs, and lost wages. Legal action may seem like the best way to get justice, but it may not work unless the responsible party has enough assets to cover your losses.

Uninsured motorist insurance can provide piece of mind in such instances, even though Alabama doesn’t require it. If you’re in an accident caused by an uninsured or underinsured driver, this insurance may help you recover your costs. Based on your individual condition, this is often the most reliable way to get financial support.

What is Alabama’s Statute of Limitations for Car Accident Injury Claims?

Like other states, Alabama has a statute of limitations for car accident lawsuits and all personal injury cases. Alabama Code Section 6-2-38 (2021) limits “all actions for any injury to the person or rights of another.” to two years.

If an automobile accident kills someone and their family wants to sue the driver, they have two years. To explain, the two-year “clock” begins on the day of the car accident, when the injury occurs. 

Trying to file your case after this date will likely be dismissed by the court. Therefore, you must understand how the statute of limitations applies to your case. You have more time to sue for vehicle damage alone.

Alabama Code Section 6-2-34 (2021) can gives you six years to sue the at-fault driver. Not all car accidents result in lawsuits, but it’s best to be prepared.

How Can I Establish Fault as a Car Accident Victim?

Knowing the elements of negligence that prove liability is crucial when filing an Alabama automobile accident damage claim. Negligence occurs when someone fails to act reasonably, causing harm or injury to others.

To succeed in your car accident injury claim, you’ll need to demonstrate these fundamental elements:

Duty of Care

Showing that the at-fault person owed you care is the first step. In car accident scenarios, this means all drivers must drive cautiously and respect traffic laws. Understanding what a normal person would behave in similar situations is key.

Breach of Duty

You must show that the at-fault person breached the duty of care. This suggests they didn’t provide adequate care. Speeding, distracted driving, and red-light running are common violations.


If the at-fault party broke their obligation, you must also prove that it caused your injury. Thus, you must prove their acts caused your harm.


Finally, you must show that the collision caused actual damages. This includes medical expenditures, lost pay, pain and suffering, property damage, and other accident-related losses.

What Evidence Do I Need to Prove Fault?

Establishing fault for a car accident hinges on collecting strong evidence that clearly shows who was at fault for the crash. Our Alabama personal injury attorney is skilled at presenting convincing proof, which may encompass:

Police Reports

Official accident reports created by law enforcement officers often contain their evaluation of fault, drawing from witness statements, physical evidence, and traffic regulations.

Eyewitness Accounts

Statements from individuals who observed the accident can provide valuable firsthand narratives of how the collision unfolded.

Photos and Videos

Visual proof, such as pictures of the accident scene, vehicle damage, skid marks, and traffic signals, can offer unbiased documentation of the conditions at the time of the accident.

Traffic Regulations and Infractions

Any breaches of traffic laws, such as disregarding a stop sign or exceeding the speed limit, can strongly suggest fault. The citation issued by the police officer can serve as evidence.

Expert Analysis

Experts in accident reconstruction can analyze the available evidence to provide professional opinions on the sequence of events during the accident and who bears responsibility.

Statements From Drivers

Statements made by the involved drivers at the scene or to their insurance providers can be considered as evidence, though they should be used cautiously, as they may be open to interpretation and potential contradictions.

Surveillance Footage

If surveillance cameras in the vicinity captured the accident, this footage could offer undeniable evidence of the events leading up to the collision.

What If I Share Fault in My Car Accident?

When analyzing an automobile accident claim, insurance firms and the at-fault party may try to blame the wounded party. This is due to Alabama’s contributory negligence law. Most other states use modified contributory negligence.

Accident victims can seek compensation in some states if they are less than 49% at fault, while others allow claims if they are less than 51%. Alabama has a strict contributory negligence law. 

Under this law, accident victims who are merely 1% at blame may be barred from receiving compensation. These insurance companies and accident offenders may utilize this rule to avoid paying compensation. 

We urge accident victims to connect with our experienced Alabama automobile accident attorney as they pursue their case.

What Compensation Can I Get for My Car Accident Injury Claim?

After an Alabama vehicle accident, you may be wondering what compensation you might get. Alabama, like many other jurisdictions, bases vehicle accident claims on fault. 

The injured party must be compensated by the at-fault party’s insurer. Below are Alabama car accident victim compensation options:

Special or Economic Damages

A automobile accident suit may start with “special” or “economic” losses. These damages are quantifiable financial losses. Common economic damages in auto accident cases include:

Medical Expenses

Medical expenses are one of the main sorts of compensation for Alabama automobile accident injuries. Medical care costs include doctor visits, hospital stays, operations, prescriptions, and rehabilitation. To get the full compensation you deserve, keep detailed records of all your medical bills and injury-related expenses.

Lost Wages

You may be entitled to lost wages if your automobile accident injuries prevented you from working. This includes salary you would have received if not injured. To prove lost wages, you must document your missed workdays and income.

Physical Therapy and Other Rehabilitative Needs

This compensation covers physical therapy and other rehabilitation treatments you may need to recover from your injuries. To restore your health, it ensures you receive medical care.

Property Damage

If your vehicle was completely destroyed or damaged in the collision, you can sue for repairs or fair market value. Property damage claims are separate from personal injury claims, so submit one for your car.

General or Non-Economic Damages

Your reimbursement request can include “general” or “non-economic” damages. These damages are meant to compensate you for intangible injuries like pain and suffering.

The cost of these damages is unknown. Instead, a jury or insurance adjuster will value them subjectively. Several factors affect damage amounts. General or non-economic damages may encompass:

Pain and Suffering

Pain and suffering compensation addresses your physical and mental pain after the accident. It considers injury-related pain, discomfort, and emotional trauma.

Disfigurement and Impairment

This compensation helps you pay for permanent bodily changes caused by the accident, such as scars, disfigurement, or disabilities.

Emotional Distress

Emotional distress compensation addresses anxiety, depression, and Post-Traumatic Stress Disorder (PTSD) caused by the disaster. It covers therapy and treatment for emotional issues.

Loss of Enjoyment of Life

This sort of compensation acknowledges that the injury may have prevented you from enjoying particular activities and experiences. It provides financial assistance for accident-related quality of life losses.

Punitive Damages

Punitive damages are different from other compensation forms that help accident victims. Not to compensate the sufferer. 

Instead, their main purpose is to send a clear message to society and the defendant that severe carelessness or recklessness is unacceptable. Punishments include punitive damages.

These damages also deter the defendant and others from similar behavior. Punitive damages are rare but may be granted in vehicle accident cases where the defendant’s conduct exceed negligence. 

This might happen when inebriated drivers or street racers act recklessly and the court orders punishment.

Why Do I Need a Personal Injury Attorney in Alabama?

If you’ve suffered significant injuries in an Alabama car crash, our personal injury attorney is here to assist you in seeking justice. We’ll evaluate your situation to determine if you have grounds to file a claim or pursue legal action against the other driver. Additionally, we’ll handle all aspects of your case, which encompasses:

  • Thoroughly investigating the accident to understand what occurred.
  • Identify who is responsible for the accident and your injuries.
  • Carefully record and assess all damages to establish the case’s value.
  • Draft and submit a formal demand letter to the insurance company outlining your claim.
  • Ensure that your legal rights are protected throughout the process.
  • Engage in negotiations with the insurance company to secure a just settlement.
  • Prepare and finalize the settlement agreement to ensure your interests are met.
  • If needed, file a lawsuit and represent your best interests in court.

Having our trusted Alabama car accident attorney by your side can simplify the claims process, especially if you’re still receiving medical treatment or have suffered severe injuries. You don’t need to tackle this alone.

Legal Guidance and Support From Our Experienced Legal Team

At Petro Accident and Injury Attorneys, we understand the challenges you may face after a car accident, and we’re here to help and answer your question about “Is Alabama a no-fault state?” Our knowledgeable legal team can assist individuals like you with motor vehicle accident claims in Alabama. 

We are dedicated to ensuring you receive the compensation you deserve. If you’ve been injured in a car accident, don’t hesitate to contact us today for the right legal guidance and support throughout the claims process. 

We can also assist you with Dog Bites, Nursing Home Abuse, Premises Liability, and Product Liability. Let us be your trusted legal partner on the road to recovery.

Request a Free Consultation