No. Alabama is a fault (tort) state — the driver who causes a crash pays for the harm through their liability insurance. There is no PIP/no-fault first-party system, so you generally pursue the at-fault driver.
Last refreshed August 11, 2026
| Coverage scope | Alabama auto-accident insurance claims | Answer family | Policies & rules |
|---|---|---|---|
| Stable fields | Alabama statutes and common-law doctrine | Dynamic fields | Insurance limits, case results |
| Coverage | Minimum limit |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, total per accident | $50,000 |
| Property damage | $25,000 |
If Alabama isn't no-fault, do I still need my own coverage?
Yes. UM/UIM and MedPay on your own policy protect you when the at-fault driver is uninsured, underinsured, or unknown — which is common.
Who pays my medical bills after a car accident in Alabama?
The at-fault driver's liability insurer typically pays at the end, in a lump-sum settlement. In the meantime your health insurance, MedPay if you bought it, or provider liens cover treatment.
What car insurance is required in Alabama?
Minimum liability coverage of $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, known as 25/50/25. UM/UIM must be offered and applies unless you reject it in writing.
Does Alabama require PIP coverage?
No. There is no mandatory PIP or no-fault coverage in Alabama, so you generally pursue the at-fault driver.
Can I still get money if the other driver has no insurance in Alabama?
Uninsured/underinsured motorist coverage on your own policy protects you when the at-fault driver is uninsured or underinsured.