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Quick answer: If the driver who hit you carries only Alabama’s minimum coverage of 25/50/25, and your medical bills and other losses are larger than their policy, you are not automatically stuck with the shortfall. Under Alabama law, a driver whose limits are too low to cover your damages can be treated as “underinsured,” which …

Quick Answer: If a hit-and-run driver injured you in Alabama, you still have a path to recovery even if that driver is never found. Under Alabama law, a hit-and-run driver is treated as an uninsured driver, so your own uninsured motorist (UM) coverage becomes your main source of compensation for medical bills, lost wages, and …

Quick Answer: Under Alabama Code Section 6-11-20, wantonness means conduct carried on with a reckless or conscious disregard of the rights or safety of others. Alabama’s Supreme Court has said the standard requires proof that a person consciously did something, or consciously failed to do something, while knowing that injury was likely to result. It …

Quick answer: After a car accident in Birmingham, check for injuries and move to safety, call 911, and let officers document the scene. Exchange information, take photos, and get names of any witnesses. See a doctor promptly, even if you feel fine. Alabama law requires you to call police when anyone is hurt, and when …

Quick answer: In Foley, the easiest way to get your crash report is usually the ALEA online portal. Alabama keeps a central, statewide crash report database, and local agencies feed their reports into it, so you can typically pull a Foley report online without having to figure out who worked the scene. Because these reports …