I was just in a car accident… when should I call a lawyer?

You have a lot on your mind after your car wreck.  You’re worried about missing work, getting your car repaired, and finding temporary transportation, all while trying to recover physically and treat your injuries.  Because of all these things you may be tempted to put off calling a personal injury attorney.

However, it’s crucial that you consult with an experienced attorney as soon as possible after your accident.


First, you want someone to get started investigating your case as soon as possible.

The longer you wait the more difficult it will be to track down witnesses and the more likely it will be that the witnesses’ memories will fade.  Other pieces of evidence, like accurate pictures of the scene of the crash, are also easier to get closer to the time of the accident.

Second, the law places certain time limits on your ability to file claims.

The statute of limitations for personal injury cases in Alabama is two years, meaning that if you’re going to file a lawsuit it typically must be done within two years of the wreck.

Third, the sooner you hire an attorney the sooner you can focus on getting your life back.

When you hire a personal injury attorney you no longer have to deal directly with the insurance company – your lawyer will handle that for you.

Let an experienced lawyer guide you through the personal injury claims process and fight for the compensation you deserveCall us today at 205-553-5353 or come visit our office in Tuscaloosa for your free consultation.

Have you ever wondered how much car insurance coverage you really need?

Alabama law requires that drivers carry a certain amount of auto insurance for their registered vehicles. But is that minimum coverage enough?


Think about it:  Alabama only requires you to have liability coverage of $25,000 per person or $50,000 per accident for bodily injury or death. If a car accident causes serious injuries, though, the medical bills involved can easily be much, much more than that.

If you don’t have good liability coverage and are in a car accident that’s your fault then you can end up paying out of your own pocket for the other driver’s medical bills, property damage, and lost wages.

So, your best bet is to buy as much insurance as you can reasonably afford.

Most experts recommend people should have bodily injury coverage of at least $100,000 per person or $300,000 per accident and property damage coverage limits of $100,000.00. If you can afford more coverage than that you should strongly consider buying it to give your assets even more protection.

The same is true for your uninsured/underinsured motorist coverage.  Since as many as 1 in 8 drivers are uninsured UM/UIM policies are crucial.  This is particularly true in Alabama:  the Insurance Information Institute ranks our state as #6 on its list of highest percentage of uninsured drivers!

The good news is that UM/UIM policies are relatively cheap.  Many insurers will add UM/UIM coverage to your policy for only a few dollars a month.

Car insurance can be complicated.  Even if you buy the right policies you may still need help after an accident to make sure you receive the benefits of those policies.

You want an experienced personal injury lawyer on your side fighting for the compensation you deserve.

Call us today at 205-553-5353, or come by our office in Tuscaloosa, and let us get started working for you.

Car insurance is car insurance, right? WRONG! The insurance on your car is actually a collection of policies that protect you in different ways. Let’s go over the basics of each type of policy so that you can understand what your car insurance does for you.

Liability Coverage

Liability coverage takes care of certain expenses when you’re at fault in an accident. Up to the limits of your insurance policy, liability coverage will pay for the medical treatment and property damage sustained by third parties in an accident you caused, but it does NOT cover you or your passengers. No matter what kind of car you drive, you need liability insurance. In fact, Alabama law requires you to have it. To fulfill Alabama car insurance laws, you must have liability insurance with the following minimum coverage:
• $25,000 for bodily injury or death per person;
• $50,000 total for bodily injury or death per accident;
• $25,000 for property damage.

Keep in mind that these are NOT coverage recommendations – just the bare minimum needed to satisfy the Alabama Mandatory Liability Insurance Law.

What do those numbers mean? They are the maximum amounts that your insurance company will pay out for an accident. For example, if you have the minimum property liability coverage required by Alabama law, then your insurance company will pay out a maximum of $25,000 – any damages after that will be paid out of your own pocket.

Collision Coverage

Collision coverage may help pay for damage to your car after you’ve had an accident, possibly including replacement of your vehicle.

Comprehensive Coverage

This is an extra layer of coverage to help with unfortunate events besides collisions, things like break-ins, hail damage, theft, etc.

Uninsured/Underinsured Motorist Coverage

UM coverage helps protect you when you have an accident with another driver who has no insurance. UIM helps when the other driver does not have enough coverage . Did you know that as many as 1 in 8 drivers nationwide are uninsured, and around 30% of drivers do not carry enough insurance? In Alabama the numbers are even higher: according to the Insurance Research Council, around 18% of Alabama drivers were uninsured in 2015. Don’t count on other drivers to have enough insurance to take care of your injuries. Instead, protect yourself with a good UM/UIM policy.

Medical Payments Coverage and Personal Injury Policies

These types of policies provide additional coverage for medical expenses and sometimes even loss of income caused by an accident.

Gap Insurance (Guaranteed Auto Protection Insurance)

What if you owe more on your car than it’s worth? Gap insurance can help cover the cost to pay off the loan on your vehicle after a loss.

Miscellaneous Policies

Insurance companies offer a variety of other policies, including towing and labor coverage, rental car coverage, and even policies specific to classic cars.

Car insurance can be complicated. Even if you buy the right policies you may still need help after an accident making sure you receive the benefits of those policies. Insurance companies are in the business of selling insurance, not in the business of paying claims. That’s why you need an experienced personal injury lawyer fighting for you and making sure you get the compensation you deserve. Call us today at 205-553-5353 or come by our Tuscaloosa office and let us get started working for you.