What to Expect During the Car Accident Settlement Process in Alabama
The car accident settlement process in Alabama involves several key steps. First, you gather evidence and assess your injuries. Then, you typically engage with insurance representatives who review the details of the event. Under Ala. Code § 6-2-38, most personal injury claims must be filed within two years, so it is crucial to move promptly. If you need a skilled accident lawyer in Alabama, reach out for guidance right away. Swift action often preserves important records, helps secure medical documentation, and positions you for a thorough evaluation of potential damages.
Early Investigation
Following the accident, you or your Alabama attorney will file a claim with the at-fault party’s insurance company. This involves providing details of the accident, medical records, and proof of damages. Authorities, insurers, and attorneys typically review police reports, photographs, and witness statements to determine liability.
Resources such as the Alabama Department of Insurance help explain coverage matters. In some situations, an investigation reveals that multiple parties share responsibility, which can be significant under Alabama’s contributory negligence rule.
Insurance Negotiations
Insurance companies usually make initial offers after reviewing medical expenses, damage to your vehicle, and other related losses. These preliminary proposals might not include all costs, especially if your injuries require ongoing therapy or if you miss work. Alabama drivers are required by law to carry liability insurance (Ala. Code § 32-7-6), but underinsured or uninsured drivers pose additional risks.
Uninsured/Underinsured Motorist (UM/UIM) coverage can be a critical source of relief in such cases. Consult accident lawyers in Alabama to examine policy details, ensuring every avenue for compensation is explored. Insurers may attempt to settle quickly, so it is wise to assess whether the proposed offer accounts for future medical needs, pain and suffering, and any permanent limitations before finalizing.
Finalizing the Agreement
If you accept an offer, you sign a release form waiving any future claims. Cases involving minors or large sums might require court approval. Before finalizing documents, remember to review all terms to ensure the resolution meets their needs.
Litigation and Trial
If negotiations fail, the case proceeds to litigation. This involves filing a lawsuit and engaging in discovery, where both parties exchange information. If the case doesn’t settle during this phase, it goes to trial. The outcome of a trial is determined by a judge or jury, who will decide the amount of compensation you receive.
Hill, Gossett, Kemp, P.C. has served the community for over four decades, assisting with car accident settlement process in Alabama. Call us or visit our office today to pursue the representation you deserve.