Car Accident FAQs

crashed vehicleCar Accident Insurance Claim FAQs by Karlos Finley, Attorney at Law – 433-7766

1. Can I settle my property damage claim even though I am still receiving medical care for my injuries? Yes. Alabama Insurance Regulations require insurance companies to treat property damage and bodily injury claims as separate claims. So a property damage claim can be settled or resolved even if care and treatment for your injuries is still ongoing. To better understand your rights related to property damage claims under Alabama law, Boteler, Finley & Wolfe has a publication on this subject that can be downloaded for free from the Publications page of our web site:

2. I am still hurting and under care of a doctor but the insurance company is trying to get me to settle. Under Alabama law, once you accept money for your injury claim and sign a release you are generally prohibited from coming back and seeking additional compensation. We advise all of our clients who have been injured not to settle until they have received the full benefit of medical care.

3. How long do I have to settle my claims from a car accident? The Statute of Limitations for auto-negligence claims in Alabama is two years. However, there are some qualifying conditions if the injuries were caused by a municipality or county employee.

4. If I am hurt in a car accident what am I entitled to recover from the at-fault driver’s insurance company? The basic damages authorized by Alabama law for an injury claim include past and future medical expenses, lost wages, pain and suffering and emotional distress (worry and anxiety related to an injury.) Other damages may be recoverable depending on the facts surrounding the accident.

5. How can I learn more about my rights related to a car accident insurance claim? At Boteler, Finley & Wolfe we encourage all car accident victims to take advantage of our free consultations. Not every car accident insurance claim requires the hiring of a lawyer but all insurance claimants should at least know their basic rights. The sooner we meet with a car accident victim the sooner we can help them understand their rights and the insurance claim process. We can also provide them with an honest assessment as to if and when they may need to think about hiring an attorney. Also, our award winning publication: Motor Vehicle Collisions: A Claimant’s Handbook – Ala ed. can be downloaded at no charge from the Publications page of our web site. This comprehensive guide includes chapters on insurance coverages, property and injury damages and it even has a chapter on hiring an attorney.

 Karlos Finley is a partner in the law firm of Boteler, Finley & Wolfe. The firm has been helping insurance claimants present and prosecute insurance claims since 1987 and has recovered millions of dollars for thousands of injury victims. To the extent this article may be considered an attorney advertisement, Alabama law requires the following disclaimer: No representation is made that the quality of legal services to be performed is greater than the services of other attorneys.