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Alabama Car Accident Settlement Calculator

Rules cited to Alabama’s statutes and case lawRules checked How we calculate

Fault ruleContributory negligenceAlmost any fault on your side can bar recovery completely.Williams v. Delta Int’l Mach. Corp., 619 So. 2d 1330 (Ala. 1993)
Filing deadline2 yearsFrom the crash date, for injury claims.Ala. Code § 6-2-38
Minimum insurance25/50/25Per person, per crash, property. Alabama is an at-fault state.
Damage capsNone on injury damagesPunitive and malpractice damages can be capped separately.

Your numbers

Example figures shown. Replace them with yours.
How serious is the injury?

Fracture or months of treatment, with some lasting effect.

0%
Does the injury meet the no-fault threshold to sue?
Attorney fee for the take-home figure
Your estimateAlabama · Car accident
Your estimate…
The math
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This calculator estimates what a car accident injury claim could be worth under Alabama law. It applies Alabama’s contributory negligence rule, the two-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.

Because Alabama still uses contributory negligence, even 1% of fault on your side drops the estimate to $0. That is how strict the rule is in court, and why insurers there push hard on fault.

Alabama rules behind this estimate

Fault. Alabama is one of only five places that still use contributory negligence. If you are found even slightly at fault, a court can bar your claim entirely. That makes proof of the other side’s fault, such as a police report, photos and witness statements, especially important. Narrow exceptions, such as the other driver’s wanton conduct or the last clear chance doctrine, can still allow recovery.

Deadline. You have two years from the crash to file a lawsuit in Alabama. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.

Insurance. Alabama is an at-fault state, so the at-fault driver’s liability insurance pays your claim. Drivers must carry at least $25,000 per injured person, $50,000 per crash and $25,000 for property damage, written 25/50/25.

Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.

Alabama car accident questions

What if the other driver only has the Alabama minimum?

Their insurer will usually pay no more than $25,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.

Can I still claim if I was partly at fault in Alabama?

Usually not. Alabama uses contributory negligence, which can bar your claim if you were even slightly at fault. Narrow exceptions exist, so talk to a lawyer before giving up.

How long do I have to file a car accident claim in Alabama?

two years from the crash to file a lawsuit. Report the claim to the insurers within days.

Is Alabama a no-fault state?

No. Alabama is an at-fault state, so you claim against the at-fault driver’s liability insurance, or your own coverage if theirs is too low.

Does Alabama cap pain and suffering damages?

Not in most injury cases. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.