How Is Liability Determined in a Car Accident in Mobile, AL?

Mobile, AL, is known for its breathtaking natural beauty and hopping music scene, but it also has a reputation for traffic accidents. Statewide, there were over 159,000 crashes and 851 accident-related fatalities in 2019.

If you’re a crash victim, you might wonder, “How is liability determined in a car accident?” It’s important to know the answer, as liability can play a key role in the outcome of your case.

Here’s what to know from Jackson & Foster, Mobile’s experienced car accident lawyer.

What Does “Fault” Mean?

After an accident, you’ll probably hear the word “fault” mentioned a lot. To sue the person who hit you and win, you must prove they were at fault for the accident.

Your attorney will need to prove two things to establish fault: that the defendant acted negligently, recklessly, or wantonly and that their conduct caused your injuries.

How Is Negligence Determined in a Car Accident?

Your lawyer will need to determine that negligence occurred to win your case. They’ll have to demonstrate the following elements of negligence to prove fault in an accident:

  1. The driver who hit you owed you a duty of care. All drivers on public roadways owe a duty of reasonable care to one another. 
  2. The driver breached their duty of care.
  3. Their breach of duty caused the accident.
  4. You suffered injuries (physical, emotional, and/or financial) as a result.

Usually, the person who caused the car crash is negligent and thus liable. But if the person who hit you did so while they were working for their employer, you might also be able to hold their employer liable. 

This is common with truck accidents. If a trucker hit you, for instance, you may be able to hold their employer responsible for a lack of maintenance or forcing the driver to stay on the road longer than allowed.

Examples of Driver Negligence

Drivers can act negligently in many ways, such as by:

  • Speeding
  • Driving aggressively
  • Hitting cars from behind
  • Talking or texting on the phone
  • Violating a pedestrian’s right of way
  • Failing to maintain their car
  • Driving under the influence of alcohol or drugs

Alabama’s Pure Contributory Negligence Doctrine

Some states allow accident victims to recover damages if they’re less than 50% at fault, while others allow recovery even if a victim is 99% at fault. Such states simply reduce the amount of compensation by how much fault the victim bears for the crash.

Unfortunately, Alabama isn’t one of these states. Alabama follows a pure contributory negligence doctrine that bars victims from recovery if they are even 1% at fault for the accident.

It’s important to understand this because the defendant’s side will try to prove you’re at fault in any way they can. They might say you’re partially to blame because you glanced at your phone for a second or looked at the back seat to check on your child.

If the other side succeeds, you may not be able to recover any damages. 

Improving the Chances of Winning Your Case

With all the factors to juggle when asking yourself, “How is liability determined in a car accident?” proving liability can seem like an uphill battle. Still, you can do a few things to improve the odds of coming out victorious.

Gather Evidence at the Scene

Collecting evidence is incredibly important, and you must do so quickly before the police clean up the accident scene. Proof to gather includes:

  • Pictures of your car, the car that hit you, road conditions, and weather conditions. If you spot anything that might have contributed to the accident, such as a blocked road sign, take pictures of that, too.
  • Information from people who saw the accident. Collect contact information promptly before witnesses have a chance to leave the scene or ensure police officers know there were witnesses. 
  • The police report. If the police report suggests the other driver was at fault, you’re not automatically off the hook, but this goes a long way when it comes to proving liability.

Don’t Flee the Scene

Some accident victims panic and run from the scene, but you shouldn’t leave before the police arrive, even in the case of minor crashing a car. This is especially important if the accident caused extensive property damage, serious injury, or death.

If you run, it looks like you have something to hide. The police can also hit you with a fine and arrest you. 

Make a Police Report

Your attorney can ask for a copy of the report. It may include the following:

  • Information about all drivers involved
  • Location of the crash and road conditions
  • Damage to both vehicles
  • Citations issued

Don’t Admit Fault

It’s easy to slip up and say things like, “I’m sorry I hit you,” or “I must have been going a little too fast, so I didn’t see you.”

When you make an insurance claim, the insurance company can take such statements as an admission of fault. To be safe, don’t talk to the other driver’s insurance company until you’ve spoken with a lawyer. Your attorney can help in these discussions with the other driver’s insurance company.

See a Doctor

If you are hurt after a wreck, getting an opinion from a doctor about your injuries and getting the treatment you need can be an important step in your recovery.  

Call Jackson & Foster To Learn About Your Legal Options

Now that you have the answer to “How is liability determined in a car accident?” we invite you to contact Jackson & Foster if you’ve been in a Mobile, AL, crash. Our attorneys can help you determine property damage liability, understand car accident statistics, and negotiate with the insurance company on your behalf.

Call (251) 433-6699 for a free case evaluation now.

Do You Have To Talk to Insurance Investigators After a Car Accident in Mobile, AL?

After you’re involved in a car accident, it typically won’t take long for the other party’s insurance adjuster to start calling you for details. How you respond to these phone calls can make or break your accident claim. So, do you have to talk to insurance investigators after car accidents in Mobile, AL?

At Jackson & Foster, your go-to car accident lawyer in Mobile, AL, we want to teach you how to develop a strong case so you’re prepared in the event of a wreck. Below, we discuss everything you need to know about communicating with insurance adjusters after a car accident. 

Parties You’re Legally Obligated To Cooperate With After an Accident in Mobile, AL

Immediately after the car accident, you’ll need to cooperate with a few parties. At a minimum, Mobile, AL, requires you to communicate with the following:

  • Law enforcement: You must comply with any law officers on the scene by providing your driver’s license, registration, and insurance card. The officer may ask you a few questions to fill out their report, and you should answer honestly. 
  • Your insurance company: You must notify your personal car insurer about any accident that could trigger coverage, such as wrecks causing property damage or injuries. Insurers typically require you to file the claim within a reasonable timeframe. 

Am I Legally Obligated To Talk to the Other Driver’s Insurance Adjusters After Car Accidents?

So, you’re required to cooperate with the police officers and your own insurance organization, but do you have to talk to insurance investigators representing the other driver? 

No, regardless of the accident you’ve been in or the details of your situation, you do not have to speak with the other party’s insurance adjusters. At a minimum, providing them with a few details, like your name, address, and phone number, can keep your case moving, but you do not have to reveal much beyond that. 

Many insurance investigators may want you to admit fault, especially when they know their client is liable for the accident. They may call you in a friendly way, asking how you’re doing and other similar questions to catch you off guard. Revealing any seemingly innocent details can accidentally cause you to assume liability. 

How Should I Speak to the Other Party’s Insurers?

You’re not legally obligated to answer their insurer questions, but that doesn’t mean they won’t try to pry you for details. So, when an adjuster calls you, how should you answer the questions?

You can firmly tell the representative any of the following where appropriate:

  • I’m sorry, I can’t talk right now.
  • I am not going to discuss the specifics of my accident without consulting my attorney.
  • I am still receiving medical treatment for my injuries, so I am not ready to disclose any information.
  • I do not want to sign anything or discuss any settlements without speaking to my lawyer.
  • I am working with a personal injury attorney to discuss my options.

The insurer could ask something as simple as, “How are you feeling?” Answering this question by saying that you feel OK could underplay your injuries. Be careful when formulating your responses, and remember that you can always divert back to something like, “I am unsure until I’ve spoken with my doctor or attorney.”

Can Insurance Adjusters Require You To Provide Recorded Statements?

The main thing an insurance adjuster wants from you is a written statement proving you were partially or fully liable for the accident. Luckily, adjusters for an adverse driver typically cannot require you to provide written statements, so you should avoid doing so at all costs unless your attorney advises. 

Adjusters know all the facts about car crashes and may use them to undermine your claim. They may make statements that they encourage you to agree with just to make you potentially assume liability. For example, they could ask you the following:

  • When did you first notice the vehicle that hit you?
  • Which vehicle had the last opportunity to avoid the crash?
  • How long was the traffic signal yellow?
  • Were you listening to music or looking at your smartphone?
  • Was there anything distracting in the street?
  • What was the weather like?

You want to avoid contradicting anything you said in the written police statement or your insurance claim. 

Tips for Handling Insurance Adjusters 

Handling calls from insurance adjusters isn’t easy. In many cases, hiring an attorney as soon as possible may be help your case, as a personal injury attorney will be able to answer calls on your behalf moving forward and represent your legal interests.

Let Your Attorney Do the Talking

So, do you have to talk to insurance investigators for adverse drivers? In many cases, the answer is no, and doing so without care can impact your ability to seek compensation for lost wages, medical bills, and other losses. 

If you’ve been injured in a wreck, let your attorney handle the insurance conversations for you. Call Jackson & Foster in Mobile, AL, today at (251) 433-6699 to schedule a consultation.