Since Alabama is not a no-fault state, accident victims must prove that another party was at fault for the accident that caused their injuries. This involves filing a claim with the negligent driver's insurance company. Unlike some states, Alabama uses fault-based system for auto insurance claims. When someone causes a car accident in our state, their insurance company generally must pay for the victims' losses.
However, as with any injury claim, things are more complicated than they seem. Alabama follows fault-based compensation system. In other words, Alabama is not a no-fault state. No, Alabama is not a state that has a no-fault insurance system.
Motorists who are guilty of a collision may be held financially responsible for medical bills and other losses they have caused others to suffer. No, Alabama is not a no-fault state. Alabama is a guilty state (or “tort”). This means that the driver causing an accident uses their insurance to pay the other driver's bills for the collision.
Police and insurance companies use available evidence to decide who is at fault for the accident. Then the at-fault driver's insurance pays to cover the other driver's damages. Depending on your coverage, they may also have insurance for their own damages. If you were involved in an accident in Alabama, you may be wondering if Alabama is a no-fault state for car accidents.
Compensation for a third-party liability insurance claim against an at-fault driver is only available up to the limits of the at-fault driver's insurance policy. According to the Alabama Department of Insurance, Alabama follows the fault insurance system regarding car accidents and insurance claims. This insurance provides the injured driver with compensation after an accident if the at-fault driver does not have enough or no insurance. For more details on Alabama's auto insurance rules, direct from the state, visit the Alabama Department of Revenue's Mandatory Liability Insurance webpage and the Be Sure to Insure - Alabama campaign.
If the other driver or your insurance company can prove that you were one percent responsible for a car accident in Alabama, they could legally prohibit you from financial recovery and be forced to pay out of pocket for your own losses. Under Alabama car accident laws, liability will depend on who caused the accident and how their actions contributed to the injuries. The bottom line is that you may be able to hold the other driver accountable because Alabama is not a no-fault state for auto insurance. It is essential to understand what fault and absence of fault mean when it comes to auto insurance and auto collisions.
About a dozen states have adopted no-fault insurance systems, which are designed to help lower car insurance rates by reducing the number of accident-related claims that end up in court. Before you buy a basic auto insurance policy, ask your insurance agent to quote policies with more generous policy limits and compare prices. Even without forgiveness by accident, some insurance companies can give you a pass if it's your first car accident with an impeccable driving record. Because Alabama is an at-fault auto insurance state, you must prove that another driver acted negligently and that the driver's negligence caused your accident.
However, if the negligent driver doesn't have car insurance or if the accident was a hit and run, you may be able to file an uninsured driver (UM) claim with your own insurance company. This is the amount of time you have to file a claim with your own insurance company or the at-fault driver's insurer. .