1. Alabama is among the small minority of states retaining pure contributory negligence, under which a claimant partly at fault is generally:

Completely barred from recovering against another at-fault party

Alabama's pure contributory negligence rule bars a claimant who shares any fault from recovering against another party.

2. Unlike comparative negligence states, an Alabama claimant found 5% at fault in an auto accident will generally recover:

Nothing from the other driver

Because Alabama applies contributory rather than comparative negligence, even 5% fault generally bars recovery.

3. Given Alabama's contributory negligence doctrine, an insured benefits from first-party coverages because those coverages:

Pay the insured's own losses without first establishing another party's full liability

First-party coverages (e.g., medical payments, UM/UIM, collision) protect the insured directly, regardless of fault disputes that could bar a liability claim.

4. Alabama's commonly referenced minimum auto liability requirement of 25/50/25 sets the per-person bodily injury limit at:

$25,000

In 25/50/25, the first figure ($25,000) is the bodily injury limit per person; verify current statutory limits.