Understanding how Alabama bodily injury works will help you understand how you will get your medical care covered for your injuries. All states have requirements for the type of insurance coverage a driver must have to drive.
In Alabama drivers are required to only carry Liability, which is separated into Bodily Injury Liability and Property Damage Liability. See below for more explanation of how this works.
Alabama bodily injury rules mean you will seek medical coverage from the at fault drivers Bodily Injury Liability coverage. Because Alabama does not require PIP coverage you may not have selected PIP insurance. Your own company can tell you if you have PIP coverage. If you do not, your injuries will be paid for by the insurance company of the driver at fault in the accident, through their bodily injury liability coverage.
If you are at fault in the accident, your bodily injury liability will not cover these injuries, you will either need to open a PIP claim, if you chose this coverage, or you will need to use your health insurance.
Your coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries to others, up to the limits of your policy and provide legal representation for you if you get sued.
Before calling your company, look over at this page, Car Accident Claim - 10 Essential Claim Tips to help you have the best outcome with your claim.
However, Alabama uses Pure Contributory Negligence rules, which means that an injured party cannot recover any damages if the individual is even one percent at fault.
Determining who is at fault after a car accident is complicated and cannot be sorted out online. Your insurance company will help you with this.
The Statute of Limitations means that you must file a lawsuit or close or settle your case within your state time limits. The time clock starts on the day of the car accident.
Injury: 2 years
Property Damage: 6 yearsIf you need to file a lawsuit for your car accident compensation, you must do so BEFORE this statue runs out. The statute begins the date of your accident.
To learn more about your State's insurance rules and regulations:
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