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Alabama: rules and deadlines at a glance
Every 11 topic we track for Alabama on one page. Open a topic for the details, the law it comes from and how Alabama compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 2 years |
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| Property damage | 2 years |
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| Minimum liability | $25,000 / $50,000 / $25,000 |
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| Fault system | At-fault (the driver who caused it pays) |
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| Shared-fault rule | Contributory negligence: any fault (even 1%) can bar recovery |
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| Acknowledge | 15 days |
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| Accept or deny | 30 days after proof of loss |
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| Pay | 30 days after the claim is accepted and the amount agreed |
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| Dollar limit | $6,000 |
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| Filing fee | $35 to $198 |
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| Lawyers | Optional |
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| Total loss rule | 75% of actual cash value |
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| Rule | Strict liability |
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| Details | Strict liability |
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| Rule | Contributory negligence |
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| When you are barred | Barred if you are even 1% at fault |
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| Report required if | Death, injury, or over $500 damage involving an uninsured driver |
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| Deadline | 30 days |
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| Handheld ban | Yes, all drivers (secondary) |
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| Texting ban | Yes, primary |
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| Law type | Universal |
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| Who must wear one | All riders (universal law) |
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| Drivers uninsured | 16.8% |
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| UM/UIM coverage | Not required (insurers must offer it) |
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