Lack of insurance does not automatically determine fault. If that were the case, Alabama would probably have a much lower rate of uninsured motorists on our roadways. Most people don't appreciate the value of auto insurance until they are involved in an accident. Strongly encourage your friend to get both auto liability and uninsured motorists coverage (preferably with high policy limits) as soon as possible.
I am an Alabama attorney. AVVO does not pay us for our responses. Simply because I responded to your question does not mean I am your attorney. This is for informational purposes only and should not be considered legal advice. If you require legal assistance, an in depth discussion of your case is needed as there are many other issues to consider such as defenses, statute of limitations, etc.
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