Montgomery Car Accident Lawyer
The fact is that many people in Alabama travel by car, truck, or other personal vehicles. I-65 and I-85 permit high-speed travel throughout Alabama and to neighboring states while routes 80, 31, 9, 231, and others allow for easy local travel to work, school, and other destinations.
While cars, trucks, and the highway system allow for rapid travel throughout the state and country, there is always the potential risk of a serious accident that inflicts numerous injuries. If you have been involved in a serious car crash that resulted in severe injuries, our legal team at the Morrison Law Firm may be able to provide representation. All of our attorneys approach car accident and personal injury litigation strategically. We work to provide our clients with an opportunity to obtain compensation for their injuries, lost wages, and other consequences. To schedule a free and confidential initial consultation, please call (334) 625-6128.
Can I Make a Monetary Recovery After a Car Crash?
If you were involved in a serious car wreck in Alabama, you may be able to obtain compensation for your injuries, property damage, and other consequences of the accident. If you are in a crash, you may attempt to seek compensation from the “at-fault” driver’s insurer. However, insurers and insurance agents are repeat players in this field. They handle accidents every day and know the costs of common injuries and vehicle repairs.
However, insurance companies are in the business of making money. Agents are known to make “lowball” offers to unrepresented accident victims in the hope that they will accept and move on thereby saving the insurance money. Working with an experienced car accident lawyer can level the playing field and allow you to negotiate with a good idea regarding how much compensation it will take to make you “whole.”
Must Drivers in Alabama Maintain Minimum Liability Insurance?
Under Alabama state law, drivers are required to maintain an automobile insurance liability policy that meets certain standards. Under the Code of Alabama (1975), §32-7-6, minimum levels of coverage must include:
- Insurance to compensate for bodily injury or death of up to $25,000 for a single person.
- Insurance to compensate for bodily injury or death of up to $50,000 for two or more persons.
- Insurance to compensate for property damage up to $25,000.
While these limits may seem significant, the fact of the matter is that they can be exhausted quickly following an accident. This is especially true when a multi-vehicle crash occurs because a minimum liability policy will only cover up to $50,000 in damages regardless of the number of affected parties. Therefore, it is important to work with a lawyer who understands the relevant coverage limits in play and who can develop an appropriate legal strategy to fit the situation.
What if I’m in a Crash and the At-Fault Driver is Under-Insured or Uninsured?
Furthermore, it is also important to note that despite the low coverage limits and the illegality of going uninsured, uninsured driving is rampant in the state. In fact, Alabama is routinely in the top ten states for uninsured and underinsured (UI/UIM) motorists. Thus, it is wise to carry supplemental UM/UIM coverage. If you do, your likelihood of making a recovery that fully compensates your injuries increases. A lawyer can explain how to make a claim under these additional, supplemental policies.
If you do not carry supplemental insurance coverage, you still have options. However, your likelihood of making a full recovery will now turn on factors wholly outside of your control. Essentially, if the other driver does not have any or adequate insurance coverage and you do not have a policy that will permit an UI/UIM claim, you can consider filing a lawsuit against the other driver. However, one should first engage in a strategic assessment of the situation because a jury award in one’s favor will not help pay medical bills if the other driver does not have assets and is “judgment proof.” An experienced lawyer can help you work through your potential legal options and decide on an approach that is likely to accomplish your goals.
What Types of Injuries Are Common in Car Accidents?
The violent forces that act upon a vehicle and its occupants in a car crash can inflict an array of injuries and impairments. Perhaps the most commonly suffered injury in car accidents is a whiplash injury. While this type of injury is often minimized, it is a diffuse axonal injury. This means that the injured person has sustained damage to the connective nerve tissues that surround the brain and support its structures. The consequences of a whiplash injury can be severe and place major limitations on a person’s ability to work and carry out day-to-day tasks. In other accidents, a traumatic brain injury can be inflicted. In still other scenarios, vehicle passengers may suffer broken bones, severe bruises, lacerations, and other serious injuries.
Let Our Personal Injury Attorneys Handle Your Car Accident Case in Montgomery
If you have suffered a serious injury, our legal team can work to hold the responsible party financially accountable for your injuries and other consequences you have faced. At the Morrison Firm, our lawyers approach all accidents and legal matter strategically and with the utmost of care. We explore all foreseeabley viable legal options in an attempt to secure the best settlement or jury award for you. To schedule a free and confidential consultation at the Morrison Law Firm, please call (334) 625-6128 today.