Tag Archives: insurance
What is the Alabama Guest Statute?
One summer Saturday night in Hayden, Alabama, Bob and Ruth climb in Bobs’ car for a friendly drive to the movies. Unfortunately, Ruth’s life soon changed forever when Bob runs a red light and his car is hit broadside by a pickup truck. Ruth suffers severe injuries from the automobile wreck. She endures tremendous pain and suffering and mental anguish. Her injuries are permanent.
To add insult to injury, when Ruth makes a claim against Bob’s automobile insurance company for the injuries she sustained in the wreck, they inform her that she is not entitled to recover under Alabama law because she was a “guest” in Bob’s vehicle.
The Alabama Guest Statute prohibits a “guest” from bringing an action against a driver unless the driver is found to have willfully or recklessly operated a motor vehicle to the detriment of the “guest.” The guest statute applies in situations where the injured person was riding as “a guest while being transported without payment.” “Payment” does not necessarily mean cash for transportation as one would pay for a taxi ride. “Payment” could be in the form of some material and tangible benefit to the driver from the transportation or the transportation must be of mutual benefit to both parties.
Although the Guest Statute typically prevents any claim against the driver of a motor vehicle for injuries sustained by a guest, damages may be recovered by a guest if the injuries are caused by the willful or reckless misconduct of the driver. Typically, we are able to prove willful or reckless misconduct when there is evidence that the driver was operating his vehicle at an unsafe speed, was driving erratically, driving under the influence or was distracted while using a cell phone or texting.
Incredibly, Alabama is the only state left in the United State that has a Guest Statue. All the other states have invalidated or repealed this antiquated law. At present time, Alabama’s Guest Statute may still deprive persons injured in automobile accidents from receiving compensation. For a brief time in prior years, our courts recognized this inequity and allowed “guests” who could not demonstrate that the driver acted willfully or recklessly to make claims under their own uninsured motorist policies. However, in Ex parte Carleton, the Alabama Supreme Court reversed course thereby depriving injured “guests” of any claim for compensation. In fact, the practical effect of this decision was to leave “guests” in a position where they are unable to insure themselves from the negligent conduct of a driver. This is an injustice that can certainly be resolved by our legislature or addressed from a regulatory standpoint. Any solution should promote the public policy of allowing responsible persons to use their own insurance to protect them in the event they are injured while riding as a “guest.”
The Self Law Firm deals with cases like the one above on a regular basis. Even though this statute needs to be revisited by Alabama law makers, we are still able to develop evidence that may allow for a recovery. If you are injured in an automobile wreck and the insurance company raises the Guest Statute, you may still be able to recover if you contact us to discuss your case.
Minimum Car Insurance Requirements in Alabama
Alabama requires drivers to have a minimum amount of liability insurance on their vehicles, set by Alabama law. This insurance pays for medical bills, property damage, and other costs in an accident if you are found to be at fault. As of 2011, the minimum auto insurance requirements in Alabama are:
- $25,000 for one person injured in an accident
- $50,000 for each accident in which more than one person is injured, and
- $25,000 for each accident that causes property damage.
This “liability” insurance does not pay your medical bills or cover the cost to repair or replace your vehicle. However, you can purchase additional insurance coverage in Alabama to cover those kinds of losses. And you can buy liability insurance with higher limits than those listed here, if you wish.
Drivers in Alabama do not have to prove they have insurance in order to register their vehicles. However, if you are stopped by a police officer in Alabama and cannot show proof of insurance, you may face fines of up to $1,000, a six-month suspension of your drivers’ license, or both. Getting your license reinstated after an insurance-related suspension will cost an extra $200, and you will have to show proof of insurance in order to get your license back.
The Self Law Firm deals with automobile accidents on a regular basis. If you are injured in an automobile wreck and we may be able to obtain a recovery in excess of the other driver’s liability coverage. Call The Self Law Firm at 205-647-1000 today to discuss your case.