The Wilson PC handles personal injury claims across Alabama from offices in Birmingham and Montgomery. Free consultation.

A personal injury claim is the legal tool for making the person or business whose carelessness injured you pay for the harm — whether that was a driver on I-65, a trucking company, a property owner who ignored a hazard, or a dog owner. In Alabama the claim is paid by the defendant’s insurer, and the adjuster on the other end is trained to close files cheaply.
What makes Alabama different from almost every other state is its fault rule. Alabama still applies pure contributory negligence, so an insurer that can attach any share of blame to you will argue you should recover nothing. The Wilson PC serves clients across Alabama from offices in Birmingham and Montgomery. Here is what an Alabama personal injury claim involves, from the rule that decides everything to what your case may be worth.
Any injury caused by someone else’s negligence or wrongful conduct. The most common Alabama claims are car accidents, commercial truck crashes, motorcycle accidents, and pedestrian injuries; falls and other premises injuries; dog bites; and fatal injuries, which become wrongful death claims. Injuries on the job are usually handled under workers’ compensation instead — Ala. Code § 25-5-53 makes those benefits the exclusive remedy against a covered employer — but Ala. Code § 25-5-11 preserves a full injury claim against a third party such as a negligent driver or equipment maker.
Two Alabama-specific rules narrow some claims. Dog bites: the owner is strictly liable under Ala. Code § 3-6-1 only when the unprovoked bite happens on the owner’s property or during an immediate chase from it, and Ala. Code § 3-6-3 limits damages to actual expenses if the owner proves no knowledge of the dog’s dangerous tendencies; elsewhere you must prove the owner knew or should have known. Premises injuries: a business must fix or warn of hidden hazards, but Alabama courts impose no duty to warn of open and obvious conditions an invitee should notice with reasonable care.
It is the single most important fact in Alabama injury law. Under pure contributory negligence — a common-law rule the Alabama Supreme Court reaffirmed in Golden v. McCurry (1980) — a plaintiff whose own negligence proximately contributed to the injury recovers nothing. Not a reduced amount: nothing. Georgia and most other states use comparative fault, which only reduces an award; our glossary explains comparative negligence and why Alabama is the exception.
The defense must prove it, and the bar is meaningful: under Alabama Power Co. v. Mosley (1975) the defendant must show you knew of the danger, appreciated it, and failed to exercise reasonable care anyway, and whether you did is ordinarily for the jury (Hannah v. Gregg, Bland & Berry, 2002). Three exceptions matter. Contributory negligence is no defense to wantonness — conduct carried on with reckless or conscious disregard for others’ safety, as defined in Ala. Code § 6-11-20. Under the last clear chance doctrine (Zaharavich v. Clingerman, 1988), a defendant who actually discovered your peril in time to avoid it and failed to is still liable. And children are treated differently: those under seven cannot be contributorily negligent, and those between seven and fourteen are presumed incapable of it. Assumption of risk is a related defense; see our explainer on assumption of risk.
Compensatory damages: past and future medical care, lost wages and lost earning capacity, property damage, and pain, suffering, and mental anguish. Alabama has no general cap on compensatory damages in injury cases. Read our plain-English guide to compensatory damages.
Two rules change the math. Ala. Code § 12-21-45 makes evidence that your medical bills were or will be paid by insurance admissible — the reverse of the traditional collateral-source rule — so your lawyer must be ready to show the jury what that coverage cost and what you must repay. And where the defendant acted with oppression, fraud, wantonness, or malice, punitive damages are available on clear and convincing evidence (Ala. Code § 6-11-20), capped in physical-injury cases at the greater of three times compensatory damages or $1,500,000 (Ala. Code § 6-11-21). That cap does not apply to wrongful death claims — in Alabama, wrongful death damages under Ala. Code § 6-5-410 are entirely punitive.
Two years from the injury for most claims (Ala. Code § 6-2-38), and two years from the death for wrongful death (Ala. Code § 6-5-410). Alabama has no general discovery rule for ordinary injury claims, so the clock starts on the day you were hurt. Government defendants are on a shorter fuse: a sworn claim against a city within six months (Ala. Code § 11-47-23), a claim to the county commission within twelve months (Ala. Code § 11-12-8), and recovery against either capped at $100,000 per person and $300,000 per occurrence (Ala. Code § 11-93-2). Claims against the State itself go to the Board of Adjustment rather than circuit court (Ala. Code § 41-9-62). Ala. Code § 6-2-8 tolls the deadline for an injured person under 19, Alabama’s age of majority.
| Rule | Alabama law | What it means |
|---|---|---|
| Injury lawsuit deadline | 2 years — Ala. Code § 6-2-38 | No general discovery rule; clock starts at injury |
| Wrongful death deadline | 2 years from death — Ala. Code § 6-5-410 | Only the personal representative may file |
| Claims against a city | 6-month sworn notice — Ala. Code § 11-47-23 | Miss it and the claim is barred |
| Claims against a county | 12 months — Ala. Code § 11-12-8 | Present to the county commission first |
| Fault rule | Pure contributory negligence (common law) | Any fault on your part can bar recovery |
| Compensatory damages | No general cap | Punitive damages capped by Ala. Code § 6-11-21 |
Deadlines interact with tolling rules and government-notice requirements. Confirm your dates with a lawyer.
Investigation first: preserving footage, records, and witness accounts before they vanish, and getting you to the right doctors. Then a demand to the insurer built on complete medical records and a fault analysis that leaves the adjuster nothing to argue. Most Alabama claims settle; the ones that do not are filed in circuit court, which has exclusive jurisdiction over claims above $20,000, where you have a constitutional right to a jury. Throughout, the goal is the same — a record on which no reasonable juror could put any fault on you.
Because the contributory negligence rule punishes claims handled casually and rewards ones built for trial. We serve clients across Alabama from offices in Birmingham and Montgomery, we prepare every case as if a jury will decide fault, and we never charge a fee unless we win. Explore our case results, then meet the team on our team page.
Serving injured people across Alabama, including:
Our attorneys handle alabama personal injury cases statewide.
From our offices in Birmingham and Montgomery, we represent injured people across Alabama. Your consultation is free, and you pay nothing unless we win.
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