Hit On An Alabama Road? Don't Settle Yet.

How We Help

That First Call Is Their Opening Move

You're hurt, your car is wrecked, and the other driver's insurance company is already working — working to settle fast, pay little, and close your file before you know what your case is worth.

They're not doing you a favor by calling quickly. Speed is their strategy.

Insurance adjusters are professionally trained to reach you in the first 24 to 48 hours — while you're still in pain, still shaken, and still unclear on how serious your injuries really are. They'll seem reasonable. They'll express concern. And then they'll make an offer that sounds like relief but actually closes the door on everything you haven't discovered yet.

Most people take the first offer because no one tells them what they're actually entitled to.

You may be entitled to compensation for your medical bills — not just what's been billed so far, but what's coming. You may be entitled to lost wages for time you've missed, or will miss. You may be entitled to compensation for pain and suffering, for the disruption this crash has caused to your daily life, and for injuries that won't show up clearly on imaging until weeks after impact. You may be entitled to property damage beyond the quick check they cut for your car.

None of that gets explained in the adjuster's first call.

Meanwhile the bills start arriving, the adjuster stops returning calls after you've signed, and the clock on Alabama's statute of limitations is running. Alabama gives you two years from the date of the accident to file a personal injury lawsuit. That sounds like a lot of time. It isn't — not when you're still treating, still figuring out the full picture of your injuries, and still rebuilding your life. Evidence fades. Witnesses move. Memories shift.

The wrong move in the first two weeks can cost you tens of thousands of dollars — sometimes six figures — you will never recover.

What Insurance Companies Know That Most People Don't

Here's what the adjuster who calls you already knows:

The average car accident victim who handles their own claim recovers a fraction of what a represented victim receives. They know that most people don't understand the difference between special damages and general damages. They know that soft-tissue injuries — whiplash, back injuries, neck pain — are often dismissed early and develop into chronic conditions that require long-term care. And they know that once you sign a release, the case is over.

They're counting on you not knowing what you don't know.

Alabama follows a contributory negligence standard — one of the strictest in the country. If an insurance company or a jury finds you even 1% at fault for the accident, you may recover nothing. Nothing. That's not a technicality. That's a real exposure, and it's exactly the kind of vulnerability that gets exploited when you're unrepresented. The first goal of any experienced injury attorney in Alabama is to protect the fault finding — to make sure your case is presented so the record is clear about who caused this.

That job starts on day one. It does not start when you finally decide to call a lawyer after the first offer falls apart.

What We Offer

Chris Simmons personally handles every car accident case Simmons Law accepts — investigation, negotiation, and, when necessary, trial. That's not marketing language. It's the reason clients have his personal cell number.

Most personal injury firms operate as intake machines. A call center takes your information, a paralegal builds your file, a junior associate reviews it, and a named partner who never speaks to you signs the settlement papers. You may never meet the person whose name is on the door. You certainly won't have their cell.

That's not how Simmons Law works.

When Chris takes your case, he is your attorney. He makes the calls, reviews the evidence, prepares the demand, and sits across from the carrier's negotiator. When the defense knows the attorney on the other side tries cases — and wins them — the offer looks different. Carriers price cases based on attorney credibility. An attorney who settles every file isn't a threat. An attorney who prepares every file for trial is.

Chris has recovered $1.6M, $1.2M, $1M, $750K, and $500K for injured Alabamians across motor vehicle, truck, and serious injury cases. Those results don't come from fast settlements. They come from thorough preparation and an insurer who knows what happens if they don't pay fairly.

He is based in both Birmingham and Mobile — covering clients throughout Alabama — and he takes cases that are worth fighting, then he fights them the right way.

How a Simmons Law Case Actually Works

When you reach Chris, here's what the process looks like:

Step 1 — The call. Chris picks up or calls back promptly. You tell him what happened. He asks the right questions to understand what you're dealing with and give you honest guidance. There's no hard sell. There's no intake script.

Step 2 — The honest assessment. If your case is worth pursuing, Chris tells you exactly why and what it could be worth. If there are complications — comparative fault, policy limits, gaps in coverage — he tells you that too. You'll leave the call knowing more than you did going in.

Step 3 — Investigation and evidence preservation. Chris's team issues preservation letters, pulls crash reports, secures camera footage, and documents everything before it disappears. This happens fast because the other side's investigation started the moment you called the police.

Step 4 — Medical coordination. You focus on getting better. Chris manages the medical records, coordinates lien information with your providers, and tracks the full picture of your injuries and treatment so nothing gets missed in the demand.

Step 5 — Demand and negotiation. When the time is right — when the medical picture is clear — Chris builds the demand and negotiates from a position of documented strength, not desperation or deadline pressure.

Step 6 — Resolution or trial. Most cases resolve. When they don't, Chris is ready to go to trial. That readiness is not a bluff.

• $5M+ recovered in documented case results for Alabama injury clients — including a $1.6M single-case recovery
• Direct attorney access 24/7 — Chris's personal cell, not an intake queue or answering service
• No fee unless we win — you pay $0 out of pocket to start or to pursue your case to final resolution
• Offices in Birmingham and Mobile — serving injury clients throughout Alabama
• Trial-ready preparation — every case is built as if it will go in front of a jury, which is why carriers take the offers seriously

Four Excuses People Make Before Calling

"My injuries don't seem that serious."
Soft-tissue injuries — whiplash, back and neck pain, shoulder injuries — are frequently dismissed early and develop into chronic, career-affecting conditions weeks later. You can't know the full picture in the first days after a crash. Do not settle before you do.

"The other driver's insurance already called and seemed fair."
Fair-seeming is a tactic. The offer that "seems fair" is calibrated to close before you understand what you're giving up. One conversation with Chris tells you if it actually is.

"I don't want to be one of those people who sues over everything."
You're not suing over a spilled coffee. Someone injured you through their negligence. The law gives you the right to be made whole. Using it isn't greed — it's how the system is designed to work.

"I can't afford a lawyer."
Chris works on contingency. You owe him nothing unless he recovers money for you. Not a retainer, not an hourly fee, not court costs up front. Zero out of pocket to start.

Free Case Evaluation — Directly With Chris

Find out what your case is really worth before the insurance company decides for you. Most calls are answered within minutes. No pressure. No commitment required. Just honest answers from the attorney who would handle your case.