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Is Alabama a no-fault state?
I just got my license and started driving, and while I’m confident behind the wheel, I know that accidents can still happen. Is Alabama a no-fault state?
Natalie Todoroff · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No, Alabama is not a no-fault state. Technically, Alabama is a
tort or an at-fault state
, which means the driver who is found responsible for causing the accident uses their insurance to pay for the other driver’s accident-related bills.It’s important to know that “fault” is not an all-or-nothing deal. Drivers can share the fault in an accident: it can be an 80/20, 60/40, or 50/50 split. However, in Alabama, you can only sue the other driver for damages if they are 100% at fault for the accident. If you are found to be even 1% responsible for it, you cannot sue.
And because you live in Alabama, you should look into adding optional medical coverage to your
car insurance
to cover you and your passengers in case of an accident. With it, you’ll be covered no matter who is deemed at fault if you get hurt. Downloading
Jerry
can help you find a great policy that not only has the coverage you need, but also fits your budget. Here’s how it works: download our top-rated insurance comparison shopping app
and take 45 seconds to answer some basic questions. From there, you’ll be presented with customized car insurance quotes that can save you an average of over $800 a year! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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