Ala. Code
Code of Alabama

Ala. Code § 27-23-2 (2026)

Rights of Judgment Creditors.

✓ official Alabama Legislature (ALISON) text, current July 2026
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Upon the recovery of a final judgment against any person, firm, or corporation by any person, including administrators or executors, for loss or damage on account of bodily injury, or death or for loss or damage to property, if the defendant in such action was insured against the loss or damage at the time when the right of action arose, the judgment creditor shall be entitled to have the insurance money provided for in the contract of insurance between the insurer and the defendant applied to the satisfaction of the judgment, and if the judgment is not satisfied within 30 days after the date when it is entered, the judgment creditor may proceed against the defendant and the insurer to reach and apply the insurance money to the satisfaction of the judgment.

(Acts 1953, No. 283, p. 350; Acts 1971, No. 407, p. 707, §485.)

Notes of Decisions
Cited in 60 cases (19 in the last 5 years), 1980–2026 · leading case: St. Paul Fire & Marine Ins. Co. v. Nowlin, 542 So. 2d 1190 (Ala. 1989).
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St. Paul Fire & Marine Ins. Co. v. Nowlin, 542 So. 2d 1190 (Ala. 1989). · cites it 27× “Paul either through garnishment or under the provisions of Ala.Code 1975, § 27-23-2. [2] Nowlin cross-appeals from the portion of the judgment holding that Ala.”
Travelers Indem. Co. of Connecticut v. Miller, 1100619 (Ala. 12-2-2011), 86 So. 3d 338 (Ala. 2011). · cites it 6× “On January 21, 2008, Miller sued Travelers pursuant to § 27-23-2, Ala.Code 1975, which provides a judgment creditor with a right of a “direct action” against the judgment debtor’s (Smith’s) insurer.”
MacMillan-Bloedel, Inc. v. Firemen's Ins. Co. of Newark, 558 F. Supp. 596 (S.D. Ala. 1983). · cites it 6× “Code § 27-23-2 (1977) ] applied. 495 F.2d at 539 (quoting from Macey v.”
Admiral Ins. Co. v. Price-Williams, 129 So. 3d 991 (Ala. 2013). · cites it 8× “Ryan Price-Williams sued Admiral Insurance Company and Gabriel Dean and Charles Baber in the Mobile Circuit Court pursuant to Aabama’s direct-action statute, § 27-23-2, Aa.Code 1975. 1 Both *992 Dean and Baber were alleged by Price-Williams to be covered under a commercial…”
Assurance Co. of Am. v. Legendary Home Builders, Inc., 305 F. Supp. 2d 1266 (S.D. Ala. 2003). · cites it 11× “If Mac-Millan-Bloedel is successful in the tort action, Ala.Code § 27-23-2 (1977) provides a remedy.”
Town & Country Prop., L.L.C. v. Amerisure Ins. Co., 111 So. 3d 699 (Ala. 2011). · cites it 3× “, 1 in the Jefferson Circuit Court pursuant to Alabama’s direct-action statute, § 27-23-2, Ala.Code 1975, alleging that Amerisure was obligated to pay a $650,100 judgment entered in favor of T & C and against Jones-Williams in a separate action pursuant to a commercial…”
Armentrout v. Atl. Cas. Ins. Co., 731 F. Supp. 2d 1249 (S.D. Ala. 2010). · cites it 8× “Ala. Code 1975 § 27-23-2 (emphasis added).”
Porter v. Crumpton & Assocs., LLC, 862 F. Supp. 2d 1303 (M.D. Ala. 2012). · cites it 5× “See Ala.Code § 27-23-2. In the collection action, the Porters claimed that American Guarantee owed them $250,000 for the judgment against Crumpton & Associates because American Guarantee insured the law firm at the time the malpractice occurred.”
Alfa Ins. Co. v. Templeton, 919 So. 2d 300 (Ala. Civ. App. 2005). · cites it 5× “2d at 274 ; see generally Ala.Code 1975, § 27-23-2 (providing a judgment creditor a right of “direct action” against the judgment debtor’s insurer).”
Butler v. Michigan Mut. Ins. Co., 402 So. 2d 949 (Ala. 1981). “On December 12, 1979, Butler filed suit against Michigan Mutual Insurance Company, the insurer of the defendants in the previous action, on the aforementioned judgment, pursuant to Code 1975, § 27-23-2. Michigan Mutual filed for summary judgment based upon certain provisions and…”
Alfa Mut. Ins. Co. v. Nationwide Mut. Ins. Co., 684 So. 2d 1295 (Ala. 1996). · cites it 7× “) Citing Ala.Code 1975, § 27-23-2, the trial court then ordered Alfa to “pay the judgment entered against Hall in the amount of $286,092.”
James & Hackworth v. Cont'l Cas. Co., 522 F. Supp. 785 (N.D. Ala. 1980). · cites it 2× “” 2 With respect to public policy, in the Court’s opinion this conclusion neither contravenes Section 27-23-2 of Alabama Code 1975, nor Section 6-2-15 prohibiting the shortening of the statutes of limitation.”
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