Auto accidents are treated under tort law in Alabama. The at-fault driver is responsible for payment of medical expenses, lost wages and expenses related to the accident. Insurance coverage (and levels) may become very important in determining the at-fault driver’s ability to cover these expenses.

Alabama requires that drivers carry minimal levels of insurance before they may drive. The minimum amounts required for liability coverage are some of the lowest in the U.S., with limits set at 25/50/25. If the person who caused the accident resulting in your injuries carries the minimum, this means if your medical bills, lost wages and other damages related to the accident would be covered up to $25,000. The second number represents the total dollars that would be paid for all bodily injury claims in the accident ($50,000). The final number ($25,000) is the payment limit for property damage to another’s property as the result of the accident.

There are a number of optional components that may be included in each insurance policy. The minimums above effectively cover injuries and property damage for the person (or persons) who are NOT at-fault. Additional coverage is required to pay for the claims of the person who caused the accident. Alabama does not require drivers to carry PIP (personal injury protection), medical payments coverage or uninsured and underinsured motorist coverage.

Charles Pitman Injury Lawyers carefully reviews the insurance policies of those involved in an accident and investigates all available avenues for full recovery of damages in your injury case.

If you or a loved one has been injured in an auto accident in Alabama, contact the experienced accident and injury attorneys at Charles Pitman Injury Lawyers today by calling 256-533-5000, e-mailing  info@cpinjurylawyers.com or completing this form.