Core Alabama Statutes

• Ala. Code §32-7-23 — uninsured/underinsured motorist coverage.
• Ala. Code Title 32, Chapter 7A — Mandatory Liability Insurance Law.
• Alabama retains contributory negligence as a complete defense in ordinary negligence actions, subject to recognized exceptions and separate wantonness principles.

Leading Alabama Decisions

• Lambert v. Liberty Mutual Insurance Co., 331 So.2d 260 (Ala. 1976) — UM stacking and distinctions between classes of insureds.
• Lambert v. State Farm Mutual Automobile Insurance Co., 576 So.2d 160 (Ala. 1991) — UIM settlement, consent and preservation procedure.
• Pontius v. State Farm Mutual Automobile Insurance Co. (Ala. 2005) — UIM bad-faith prerequisites and the “legally entitled to recover” requirement.

Use these authorities with current Alabama Department of Insurance materials, later citing decisions and the actual policy, declarations and UM/UIM endorsements.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments and current policy language before reliance.