Articles Posted in Car Accidents

When someone is involved in a serious Alabama car accident, the chances are they have to deal not just with the physical injuries and property damage caused by the accident, but also with the mounting medical expenses and the loss of income due to time spent away from work. Additionally, an accident victim’s life may not ever be the same, even post-recovery.After a car accident, an accident victim may be able to seek compensation for the injuries they sustained in the accident through an insurance claim. In Alabama, all drivers must maintain a base level of liability insurance to cover the costs of injuries caused by that driver’s negligence If the at-fault party has an insurance policy, the claim will initially be through the at-fault driver’s policy.

Some drivers, however, fail to obtain insurance despite the legal requirement they do so. In other situations, a driver has insurance, but the injuries sustained in the accident are very serious, warranting compensation above the limits of the at-fault driver’s insurance policy. In the event of an accident caused by an uninsured or underinsured driver, an accident victim may be able to file a claim with their own insurance company.

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In Alabama, all motorists owe a duty of care to those with whom they share the road. Generally speaking, this duty requires that motorists follow all traffic laws as well as posted traffic signs and traffic control devices. At its core, the duty placed on Alabama drivers merely requires they take due care when operating a motor vehicle.When a driver causes a car accident due to some negligent act, anyone injured as a result of the accident is entitled to pursue a claim for damages against the at-fault driver. When most people think of this type of claim, they assume that the at-fault driver was previously unknown to them; however, in many cases, a passenger is injured due to the negligence of the friend or relative driving the car.

Initially, this may seem like an awkward or uncomfortable situation, and indeed, in some cases it can be. However, it is important for accident victims to realize that most Alabama personal injury cases involving car accidents are defended not by the driver themselves but by the at-fault driver’s insurance company.

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Earlier this month, the state’s high court issued a written opinion in an Alabama car accident case requiring the court to determine if the jury’s verdict in favor of the plaintiff should be reversed due to the plaintiff’s failure to comply with a clause in the contract with the defendant insurance company. Ultimately, the court concluded that the defendant insurance company was in a position to object but failed to do so prior to trial. As a result, the defendant’s post-trial motion was denied.

The Facts of the Case

The plaintiff was involved in a car accident when she was rear-ended while stopped at a non-functioning traffic light. At the time of the collision, the plaintiff’s husband was driving the car. The plaintiff filed a lawsuit against the other driver who she claimed was responsible for the accident, as well as her husband’s insurance provider under the underinsured motorist provision.

The day before trial, the plaintiff settled her claim with the other driver and that driver’s insurance company. The plaintiff let her husband’s insurance company know prior to the beginning of trial. However, that policy required advance notice of any settlement that may affect the insurance company’s liability. It was undisputed that the plaintiff did not give the defendant insurance company advance notice.

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