Is Alabama a no-fault state?
No. Alabama is an at-fault state. The driver who caused the crash, and their insurance company, pays for the damage.
Last checked November 9, 2026 · Official sources (3)
How does Alabama car insurance work?
“You may file a claim with the at-fault party's insurance company if they are insured, or if you have collision insurance on your vehicle, you can have your own insurance company pay for the damages”
Alabama Department of Insurance
What is Alabama's minimum car insurance?
| Coverage | What Alabama requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
Other at-fault states
Questions
How much insurance does Alabama require?
$25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (25/50/25).
What if you were partly at fault in Alabama?
Alabama uses contributory negligence: if you were even partly at fault, you can be barred from getting any money for your negligence claim.
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See if I’m owed moneySources (3)
- Alabama Department of Insurance, checked 2026-11-09. “You may file a claim with the at-fault party's insurance company if they are insured, or if you have collision insurance on your vehicle, you can have your own insurance company pay for the damages”
- Alabama Department of Insurance, checked 2026-11-09. “This means $25,000 bodily injury liability limit per person. $50,000 maximum for all bodily injuries to be paid for any one accident. $25,000 maximum for property damage per accident.”
- Supreme Court of Alabama (opinion published on Alabama Appellate Courts site), checked 2026-11-09. “In any event, Mr. Ryan's contributory negligence would be a complete bar to liability for the”