Why does Alabama’s fault rule make personal umbrella coverage more important?

Alabama follows pure contributory negligence (Golden v. McCurry, 392 So. 2d 815, Ala. 1980) rather than the comparative-fault rule most states use — a claimant found even slightly at fault in an accident can be completely barred from recovering damages. That does not reduce a policyholder’s own liability exposure when they are found at fault, and Alabama’s 25/50/25 auto minimums sit well below the underlying limits most carriers require before writing a personal umbrella policy, which is why bridging that gap matters here.