Home Forums Alabama Motorists Issues Alabama Motorists Issues

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  • #176630727

    angela belly

    State insurance laws in the U.S. typically come in one of two flavors: “no-fault” and “fault” (a “fault” system is also known as an “at-fault” or “tort” system in some states). Alabama is a “fault” state when it comes to car accidents and insurance coverage. This means that the fault (or legal responsibility) of the drivers involved in the crash will affect how and in what way compensation is paid to those who are injured — or whose property is damaged — as a result of the accident.

    It also means that Alabama drivers have multiple options when it comes to deciding how to proceed with a claim for compensation after an accident. These options include:
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    filing a claim with one’s own insurance company, according to the terms of the policy
    filing a claim with the other driver’s insurance (sometimes called a “third party claim”) and
    filing a personal injury lawsuit against the other driver.
    In a “no-fault” state, on the other hand, drivers file their claims with their own insurance carriers, regardless of who was at fault in the accident. If you’re in Alabama, you probably don’t need to worry about how no-fault rules work, but if you’d like more information see No-Fault Car Insurance and State Laws: The Basics.

  • #176647594


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