Frequently Asked Questions

Alabama sets strict filing deadlines for personal injury and wrongful death claims, and the time you have depends on the type of claim and who it is against — claims involving government entities, for example, can have much shorter notice requirements. Once a deadline passes, even a strong case can be lost forever. Evidence also disappears quickly, so the safest course is to speak with a lawyer as soon as possible after your accident to make sure every deadline that applies to your case is identified and met.

Be very careful here. Alabama is one of only a handful of states that still follows the contributory negligence rule: if the defense can prove you were even partly at fault, you can be barred from recovering anything. Insurance adjusters know this and often try to get injured people to admit partial fault. Don’t accept their version of events — fault is a legal question, and an experienced Alabama attorney can often defeat a contributory negligence defense with proper investigation.

Every case is different, but compensation in Alabama injury cases can include medical bills (past and future), lost wages and lost earning capacity, pain and suffering, mental anguish, permanent disability or disfigurement, and property damage. In cases involving reckless or intentional conduct, punitive damages may also be available. The honest answer is that no lawyer can give you a reliable number at the first meeting — anyone who promises a specific amount upfront should make you skeptical.

Most injury cases settle without a trial, but the strongest settlements go to clients whose lawyers are genuinely prepared to try the case. Insurance companies track which firms actually go to court. We prepare every case as if it’s headed to a jury, and you make the final decision on whether to accept any settlement offer.

It depends on the severity of your injuries, whether fault is disputed, and how the insurance company responds. Straightforward claims may resolve in a few months; cases involving serious injuries or litigation can take a year or more. One important rule: we don’t recommend settling until you’ve reached maximum medical improvement, because you can’t go back later and ask for more.

Yes. Your initial consultation costs nothing and carries no obligation to hire us. What you share with us is treated confidentially, so you can speak openly about what happened. We’ll listen, give you an honest assessment, and you decide where to go from there.

No. Once you hire a lawyer, the insurance company generally must communicate through your attorney instead of contacting you directly. Many clients tell us the calls stop being stressful the day they sign — we handle the back-and-forth while you focus on getting better.

Helpful items include any crash or incident report, photos, names of drivers and witnesses, your insurance policy, medical records or bills you’ve received, and any letters from insurance companies. But don’t wait to call just because you don’t have everything — we can help you gather what’s missing.

Passengers injured in a crash usually have claims no matter which driver was at fault — sometimes against more than one driver and policy. These claims can feel awkward when the driver is a friend or family member, but remember: the claim is typically paid by an insurance company, not your loved one personally.

If the at-fault driver was on the job — delivery, rideshare, company vehicle, or an 18-wheeler — their employer may also be responsible, and commercial insurance policies are usually much larger than personal ones. Identifying every responsible party and policy early is one of the most valuable things a lawyer does.

Nothing up front. We handle injury cases on a contingency fee basis, which means our fee is a percentage of what we recover for you. If we don’t win your case, you owe us no attorney’s fee. Your initial consultation is always free, and we’ll explain the fee agreement in plain language before you sign anything.

Not before you understand the full value of your claim. Early offers are typically made before the extent of your injuries, future medical needs, and lost earning capacity are known — and once you sign a release, your claim is over forever. We can review any offer for free and tell you whether it’s fair.

This is a common problem — roughly one in five Alabama drivers is uninsured, and the state minimum policy is only $25,000 per person. The good news: Alabama auto policies include uninsured/underinsured motorist (UM/UIM) coverage unless it was rejected in writing, and many people don’t realize they have it. We’ll examine every available policy — including stacked UM coverage across multiple vehicles — to find all sources of recovery.

Get medical attention immediately, even if you feel “mostly fine” — gaps in treatment can hurt both your health and your claim. Keep records of everything: photos, witness names, bills, and missed work. Be thoughtful about what you share on social media while your claim is pending, and consider speaking with a lawyer before responding to insurance company requests or signing paperwork.

Alabama’s wrongful death law is unlike any other state’s. Damages in an Alabama wrongful death case are punitive only — meant to punish the wrongdoer rather than compensate for financial losses — and the claim must be brought by the personal representative of the estate within strict time limits. Because these cases are governed by unique rules, it’s critical to work with an attorney experienced in Alabama wrongful death litigation.

You may still have a path to recovery. Uninsured motorist coverage often applies to hit-and-run crashes, and a prompt investigation — cameras, witnesses, police follow-up — sometimes identifies the driver. Report the crash to police right away and get medical care; we can help from there.

This is one of the most stressful parts of an injury, and the answer depends on your coverage: health insurance, medical payments (med-pay) coverage on an auto policy, and provider arrangements can all play a role. We help clients sort out billing and any liens so treatment can continue while the claim moves forward.

Maybe not — and we’ll tell you if that’s the case. But injuries that seem minor at first sometimes turn out to be serious, and unrepresented claimants are often offered far less. A free consultation costs nothing and can save you from discovering a year later that the injury wasn’t minor after all.

It can be either — or both. Workers’ compensation generally covers on-the-job injuries regardless of fault, but if someone other than your employer contributed — a negligent driver, a defective machine, a third-party contractor — you may also have a separate injury claim with broader compensation. We can help you understand which applies.

Qualified Legal Representation

John C. Hubbard represents injury victims in Alabama and harmed consumers across Alabama and Texas. From car wrecks and big truck collisions to slip and falls, medical malpractice, and wrongful death, our firm gives every case the attention it deserves.

Nearly Two Decades of Experience

Practicing law since 2008, John C. Hubbard has spent his career standing up to insurance companies, debt collectors, and negligent corporations — and knows how to build cases that get results for Alabama injury victims.

A Reputation You Can Trust

Our firm is an active member of the Birmingham Bar Association and the Consumer & Commercial Law Section of the State Bar of Texas, and stays engaged with the broader legal community to better serve our clients.

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