After a car accident in Alabama, it is possible that one or more parties are legally responsible (liable) for your injuries and your other losses, such as property damage and the costs of a rental car while your vehicle is in the shop. In Alabama, under what is known as a tort-based insurance law, liability for a car accident goes to the person or party at fault for causing the crash. This differs from states that use no-fault insurance systems, where all drivers seek compensation from their own insurance providers, regardless of fault.
Under Alabama state law, if you believe that another driver caused your crash, such as by texting and driving or speeding, you could be eligible for financial compensation from his or her car insurance provider.  All drivers in Alabama must carry the minimum required amounts of insurance. You can use the other driver’s insurance to pay for your injuries, medical bills and property damage if an investigation confirms that the other driver is at fault. If you were injured in an accident with a drunk driver, contact our Birmingham DUI accident attorneys for help from experienced legal professionals who can handle your insurance claims.
You may need to depend on your own car insurance to pay for your injuries, however, if the other driver doesn't have insurance, you were injured in a hit-and-run accident, or you were partially at fault for the crash. In other cases, you may be able to file a claim against a third party, or someone involved in causing the crash who was not at the scene, for additional compensation. Examples of third-party liability include a product manufacturer for an auto defect or the government for a road hazard.