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★ Alabama · whiplash

Whiplash settlements
in Alabama.

By Reviewed by Abd Shanti, Founder9 min read

Alabama is one of a handful of states where any fault of yours can bar recovery, and you have only two years to sue. But the defense must have real evidence before the jury hears about your fault: a woman stopped at a yield sign and hit by an 18 wheeler won a new trial on that point. Alabama also lets defendants tell the jury who paid your medical bills.

Facts that decide a whiplash claim in Alabama

Fault ruleAlabama keeps contributory negligence, which bars recovery, but a jury may be told about it only when substantial evidence shows the plaintiff’s own negligence helped cause the accident.Phillips v. Seward (Ala. 2010)
Medical bills paid by insuranceIn an injury case the defense may introduce evidence that medical and hospital expenses were or will be paid by insurance or other collateral sources.Ala. Code § 12-21-45, applied in McCormick v. Bunting (Ala. Civ. App. 2012) and Crocker v. Grammer (Ala. Civ. App. 2011)
Deadline to sueTwo years for “all actions for injury to the person or rights of another not arising from contract and not specifically enumerated.”Ala. Code § 6-2-38(l), as quoted in Nelson v. Megginson (Ala. 2014)
Seat belt useNot wearing a seat belt is not evidence of contributory negligence, and the Supreme Court has refused it as a damages reduction.Ala. Code § 32-5B-7; Britton v. Doehring (Ala. 1970); see our seat belt table
★ AL · reported whiplash outcomes

What Alabama courts have awarded.

Real Alabama decisions and verdicts, each linked to the court record or official report.

  • Supreme Court of Alabama · 2010
    Defense verdict reversed; new trial

    In November 2004, Mary Nell Phillips stopped her minivan at a yield sign in a right turn lane in Dothan, waiting to merge, when an 18 wheel tractor trailer that had stopped behind her collided with her. The jury found for the truck driver and his employer after being instructed on contributory negligence. The Supreme Court held there was not substantial evidence that Phillips was negligent, so the instruction was error, and ordered a new trial.

  • Alabama Court of Civil Appeals · 2012
    Judgment for plaintiff reversed; new trial

    Willis Bunting sued Bruce McCormick over a vehicle collision and persuaded the trial court to bar any mention of payments made by insurers or others for his medical expenses. The Court of Civil Appeals held that Alabama’s collateral source statute allowed the defense to introduce that evidence, reversed, and ordered a new trial.

★ AL · whiplash · in practice

What changes the number here.

What actually moves a whiplash settlement in Alabama.

  1. 1

    Contributory negligence is a complete defense, but only if the evidence supports it. Phillips won a new trial because it did not.

  2. 2

    Expect the jury to hear what your health insurer paid; Alabama law allows it.

  3. 3

    File within two years. Alabama’s injury deadline is among the shortest in the country.

★ AL · statute of limitations
2 years from date of injury

Ala. Code § 6-2-38

★ AL · fault rule
Pure contributory negligence

Pure contributory negligence, even 1% of fault attributed to the claimant bars all recovery. Alabama is one of only five US jurisdictions to retain this rule.

★ AL · caps

What caps recovery.

Statutory caps that may bear on a whiplash settlement in Alabama.

★ whiplash · same region & fault regime

Compare to like jurisdictions.

How Alabama's fault rule and limitation period compare to jurisdictions in the same US region and to those running the same fault rule for whiplash claims.

JurisdictionFault ruleLimitationWhiplash page
Alabama · you are herePure contributory negligence2 years from date of injury—
ArkansasModified comparative, 50% bar3 years for personal injury; 2 years for medical malpracticeAR · whiplash →
FloridaModified comparative, 51% bar2 years from date of injury (was 4; reduced by HB 837)FL · whiplash →
GeorgiaModified comparative, 50% bar2 years from date of injuryGA · whiplash →
KentuckyPure comparative negligence1 year for personal injury (one of the shortest in the US)KY · whiplash →
LouisianaModified comparative, 51% bar1 year (la prescription), extended to 2 years by Act 423 (2024) for tort claims accruing on or after July 1, 2024LA · whiplash →
MississippiPure comparative negligence3 years from date of injuryMS · whiplash →
District of ColumbiaPure contributory negligence3 years from date of injuryDC · whiplash →
MarylandPure contributory negligence3 years from date of injuryMD · whiplash →
North CarolinaPure contributory negligence3 years from date of injuryNC · whiplash →
VirginiaPure contributory negligence2 years from date of injuryVA · whiplash →
AlaskaPure comparative negligence2 years from date of injury or discoveryAK · whiplash →
ArizonaPure comparative negligence2 years from date of injuryAZ · whiplash →
★ AL · whiplash · frequently asked

Common questions.

Each answer is independently coherent and references the relevant statute or authority document.

★ editorial note

Figures on this page are not quotes for any specific case. For representation, consult an attorney admitted in Alabama. See /methodology, /sources, and /disclaimer.