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Car Accident Settlements: Counting the Cost

February 16, 2021 by Siniard, Timberlake & League, P.C.

Car accidents are generally frightening experiences. Even a low-speed fender bender has the potential to produce a startling crunch of metal and the explosive deployment of airbags.

Following an accident – if you are not at fault – you must deal with the reality of attempting to get compensation for damages you may have sustained to your vehicle and body. Figuring out the monetary value of car accident settlements is dependent upon a few factors. 

Factor in Insurance

Alabama is an at-fault state concerning car accidents. That is to say, the person responsible for the car accident is liable for all damages and losses. As a result, the state requires drivers to purchase liability insurance with the following minimums:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more people
  • $25,000 for damage of property

Calculating Car Accident Settlements 

Typically, the insurance company of the party at fault for the accident is responsible for paying costs due to: 

  • Disfigurement and Permanent Physical Disability

Lasting damage such as loss of a limb or mobility and scarring will increase the value of your claim.

  • Physical Suffering

Victims that have suffered broken bones, head injury, back injury, and nerve damage will typically receive more than claimants with only bruises or sprains.

  • Lost Wages from Work

Injuries may hinder your ability to work and earn a living wage.  

  • Medical Bills and Related Expenses

Medications, future medical care costs, and treatments by doctors, clinics, and hospitals create added expenses related to your injuries.

  • Emotional Damages Due to Physical and Financial Distress

Your personal injury lawyer can assign a monetary value to depression, grief, insomnia, and other issues caused by an injury.

  • Vehicle Value

Vehicle damage and your car’s condition and value before the accident play a role in additional funds received. For instance, the condition and value of your car before the accident includes mileage and depreciated value.

Key Points to Remember 

Alabama is a contributory negligence state, which means you cannot win any damages if you are found to have contributed even 1% fault in the accident. If the insurer or court determines your carelessness led to your injuries, you will not win an award in a personal injury claim.

Alabama has a two-year statute of limitations to file a lawsuit from the date of the accident. Therefore, it is critical to contact an experienced attorney soon after to assist with determining fault in the accident and acting on your behalf when corresponding with the liable party’s insurance company.

If you have been involved in an accident and want the help of experienced attorneys to get you what you deserve for your distress, please contact Siniard, Timberlake & League. We can help.

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Category iconAutomobile Wrecks

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Although we handle cases throughout Alabama, Tennessee, and Georgia, our primary practice areas are in North Alabama and Southern Tennessee. We serve the following localities: Colbert County including Tuscumbia and Muscle Shoals; DeKalb County including Fort Payne; Etowah County including Gadsden; Jackson County including Scottsboro; Lauderdale County including Florence; Lawrence County including Moulton; Limestone County including Athens; Madison County including Huntsville and Madison; Marshall County including Albertville, Boaz, and Guntersville; and Morgan County including Decatur and Hartselle. In Tennessee we serve Giles County including Pulaski; Lawrence County including Lawrenceburg; Lincoln County including Fayetteville; and Franklin County including Winchester.

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