Frequently Asked Questions

The Dothan law office of Cobb, Boyd, White & Cobb has more than 80 years' collective experience solving legal problems and answering clients' questions. We know Alabama personal injury laws can seem very complicated, and we provide superior services to injured parties and insurance companies alike. Our attorneys are thorough, responsive, and—above all else—compassionate as they help you navigate the perplexing waters of state and local Dothan lawsuits.

FAQs on personal injury law in Alabama

I have been injured. How do I obtain an accident report?
Should I obtain copies of my medical records?
Will I have to go to trial to recover damages?
What is considered "pain and suffering?"
What determines the amount I might recover?
How much is my case worth?

FAQs on insurance defense in Alabama

How is insurance policy language interpreted?
What laws govern insurance companies?
As an insurer, is it necessary for my company to contract the services of a lawyer when dealing with an insurance claim?
What is duty to defend?

Reach out to our Dothan legal practice

While the majority of our practice focuses on Southeast Alabama, Cobb, Boyd, White & Cobb takes cases throughout the state. Contact our personal injury, insurance defense, and general practice law office in Dothan to work with a qualified attorney from our office today.

Personal injury FAQs

I have been injured. How do I obtain an accident report?

Accident reports are one factor considered in determining liability. If you do not already have an accident report, our attorneys will obtain one for you.

Should I obtain copies of my medical records?

Medical records are important in evaluating your claim. This is something, however, that your attorney will do for you as he prepares your claim.

Will I have to go to trial to recover damages?

Roughly 95 percent of personal injury cases filed settle prior to trial. That said, our attorneys know personal injury laws in Alabama and do not hesitate to take cases to court if it means achieving a better outcome for you.

What is considered “pain and suffering?”

Pain and suffering describes the physical, mental, and emotional distress experienced as a result of an injury. It includes the anguish you may experience from being unable to participate in activities you previously enjoyed.

What determines the amount I might recover?

Every personal injury case addresses three issues:

Liability—establishing someone’s negligence
Damages—the amount that will fairly and adequately compensate you for your injuries
Source of collection—insurance or other assets from which damages can be recovered

How much is my case worth?

Many factors determine how much compensation you may receive. The severity of your injuries, your past medical history, and the amount of insurance coverage that the responsible person or company has are all factors that impact your claim. An attorney from our firm can assess the potential value of your lawsuit in Dothan. Please email us to obtain a free consultation.

Insurance defense FAQs

How is insurance policy language interpreted?

Insurance policies are treated as legally binding contracts. While courts and attorneys carefully examine the wording and clauses of a policy to determine exactly what it covers, insurance policies themselves are subject to local laws. The attorneys from our Dothan legal office know Alabama insurance law and can work with your company in insurance defense matters.

What laws govern insurance companies?

Though many insurance companies serve multiple areas of the United States, they are generally governed by state laws. The Alabama Department of Insurance regulates the insurance industry by "providing consumer protection, promoting market stability, and enforcing fire safety standards and laws."*

As an insurer, is it necessary for my company to contract the services of a lawyer when dealing with an insurance claim?

It depends on the exact nature of the claim—attorneys are generally not needed to handle small insurance matters. However, it is best to seek legal advice from a qualified Alabama insurance defense law firm if it looks like a claim may involve litigation.

What is duty to defend?

Duty to defend is an insurance company's obligation to pay for all legal fees and other bills associated with defending a claim under an insurance policy.