MOBILE CAR ACCIDENT ATTORNEY

Most people aren’t sure whether their crash qualifies for a claim, especially in Alabama, where even a small percentage of fault can jeopardize your recovery. We look at three key elements:

You were injured or suffered financial losses.

Medical bills, missed work, property damage, therapy costs, and long-term care expenses all count. Even what seems like a “minor” injury can evolve into chronic pain or mobility issues.

Someone else was negligent.

This may include distracted driving, speeding, reckless behavior, impaired driving, or traffic violations. A thorough investigation often reveals negligence that the other driver didn’t admit to.

There is insurance coverage.

Most claims are filed against insurance companies, not individuals. A lawyer can identify all applicable policies, including the at-fault driver’s coverage, rideshare or commercial policies, and your own uninsured or underinsured motorist (UM/UIM) policy if needed.

If you’re unsure where your situation falls, we can review your case at no cost and explain exactly where you stand.

What you do in the minutes and days after a crash can strongly influence your claim and protect you from being unfairly blamed under Alabama’s contributory negligence rule.

Here’s what matters most:

• Call 911 and request medical attention, even if your injuries seem mild.
• Get a police report, which will later become critical evidence.
• Photograph the scene, including both vehicles, skid marks, traffic signals, and injuries.
• Exchange information with the other driver without discussing fault.
• Gather witness contacts, as they can make or break a liability dispute.
• Get a medical evaluation, since many injuries surface hours or days later.
• Notify your insurer, but avoid giving recorded statements before speaking to an attorney.

Early actions help protect your claim and your health.

Alabama is one of the few states that follows pure contributory negligence. This means:

• If you’re found even 1% at fault, you may be barred from recovering compensation.

Insurance companies know this, and they often take advantage of the rule by:

• Suggesting you “could have reacted sooner”
• Claiming you were driving slightly too fast
• Arguing you were distracted
• Blaming road conditions instead of their driver
• Twisting your statements to imply partial fault

Our job is to shut these tactics down early. Strong evidence, reconstruction experts, and a disciplined communication strategy are essential, and that’s where legal representation becomes critical in Alabama.

You have a limited window to file a lawsuit, and missing the deadline almost always ends the case. While timeframes vary by claim type, the safest approach is to act quickly.

The sooner you get legal help:

• The more evidence that can be preserved.
• Witnesses are easier to locate.
• Surveillance footage is more likely to exist.
• Medical records reflect the injury’s immediate impact.
• The insurance company has fewer opportunities to delay.

If you’re unsure whether your deadline has passed, we can tell you immediately.

Uninsured and underinsured drivers are a real problem in Alabama, and crashes involving them can leave injured people feeling trapped. But you still have options.

Your UM/UIM coverage may step in, and this type of insurance may pay for:

• Medical bills
• Lost wages
• Pain and suffering
• Long-term disability
• Vehicle repairs

Other avenues may apply as well, including:

• Employer insurance (if the at-fault driver was working)
• Rideshare or commercial coverage
• Third-party liability (vehicle defects, road hazards, etc.)

An attorney can examine the situation to identify every possible source of recovery.

Yes. These cases can be more complicated than typical crashes because insurance coverage changes depending on the driver’s status at the time of the accident.

Here’s how coverage usually works:

• Driver was waiting for a ride request (app on): Limited rideshare coverage may apply.
• Driver was transporting a passenger: The rideshare company’s high-limit commercial policy typically activates.
• Driver was completing a delivery (DoorDash, Amazon, etc.): The company’s commercial coverage may apply, sometimes along with the driver’s personal policy.
• Driver was off the clock (app off): Only the driver’s personal auto insurance applies.

Each company, Uber, Lyft, DoorDash, Amazon, Instacart, and others, has its own coverage rules. An attorney can determine which policy applies and pursue compensation from the correct insurer.

Compensation varies by case, but often includes:

• Medical bills (past and future)
• Lost wages and reduced earning capacity
• Pain and suffering
• Emotional distress
• Long-term disability
• Scarring or disfigurement
• Vehicle repair or replacement
• Punitive damages in certain reckless-driving cases

For severe injuries, such as traumatic brain injuries, spinal cord injuries, crush injuries, or complex fractures, long-term compensation may be essential.

With Alabama’s strict fault rules, proving liability is everything.

Your legal team may rely on:

• Police reports
• Witness statements
• Traffic camera or dashcam footage
• Black box data (commercial trucks)
• Phone records in distracted driving cases
• Skid mark and impact analysis
• Accident reconstruction experts
• Vehicle damage pattern analysis

Every detail counts, because even a small accusation of partial fault can undermine your entire case.

Timelines vary widely depending on:

• Severity of injuries
• How long medical treatment takes
• Whether the insurance company disputes fault
• Whether multiple insurers are involved
• Whether the case settles or goes to trial

Many cases settle within several months, while more serious or disputed cases can take longer. Your attorney will keep you informed at every stage so you’re never left wondering what’s happening behind the scenes.

Even “minor” crashes can cause hidden injuries, delayed symptoms, or insurance headaches. You may want a lawyer if:

• The insurance company offers a lowball settlement
• You’re being blamed for any part of the accident
• Medical symptoms appear days later
• Your vehicle repair costs are significant
• The other driver was uninsured
• A rideshare or commercial vehicle was involved

Speaking with an attorney early prevents costly mistakes and costs nothing upfront.

When you hire Morgan & Morgan, you’re getting more than an attorney; you’re getting the backing of America’s Largest Injury Law Firm and a team that fights cases nationwide every single day.

That includes:

• Experienced auto accident lawyers who understand Alabama law
• Investigators, paralegals, and litigation support professionals
• Access to reconstruction experts and medical specialists
• The financial resources to take on insurance companies without hesitation
• A proven track record, with over $25 billion recovered for clients
• There are no upfront costs, and you only pay if we win. The Fee Is Free®.

If you were hurt in a car accident in Mobile, don't wait. Start with a free case evaluation and find out how we can fight for you.