Auto accidents are traumatic for anyone involved. However, there is no denying that injured drivers have a certain amount of rights towards compensation for their injuries and we all know it. However, what if there injured passengers? Not every driver that gets into an accident is alone in the car, and if you were riding with friends or family during an accident, you might wonder if you have any right to compensation, especially since you had no part in the accident itself. However, rest assured that as an injured passenger, you also have certain rights to compensation to cover any resulting injuries.
Seeking Compensation From the Driver’s Insurance
As an injured passenger, your first task – after healing, of course – is to determine the fault of the accident. We certainly don’t want to pursue a claim against the driver of the car we were in because of any personal feelings for the driver, but it may be necessary. However, it is important to remember that you are not taking money straight out of their pocket, but rather your injuries will be covered by their insurance company if they were at fault. As an injured passenger, you have a legal right to file a claim with their insurance for your injuries. This claim will cover your medical expenses, any lost wages accrued due to healing, as well as a certain amount for pain and suffering.
Even if the driver of your car was at fault, you also still have the right to file a claim with the other driver’s car insurance as well. This can be necessary because often auto insurance does not let passengers related to the driver file as they are seen as part of the insurance. However, you cannot collect from both insurance providers to an amount that exceeds the total value of the claim.
Using the Passenger’s Policy
As an injured passenger with your own auto insurance policy, you may be able to get coverage for your medical expenses from your own policy. This coverage is not based on any liability and does not require the passenger to be at fault. However, using this method, typically pain, and suffering or lost wages are typically not covered. Yet, if there are any expenses that are related to your medical expenses, then your own auto insurance will typically cover it.
If you collect a portion from your own auto insurance and then later receive compensation from another driver’s insurance, you may find a certain amount will be deducted from the liability settlement. Using your own auto insurance policy is a great option is you need coverage for your medical bills quickly but expect a certain amount of coverage later from a larger settlement.
With all the options above available to you, it actually makes getting compensation for an injured passenger more complex than for either of the drivers. Which option do you pick to suit your unique needs? It can be really difficult to figure out. If you are an injured passenger and need compensation for your medical bills now or simply want to make the most out of the coverage options you do have, contact us today. Don’t let all the options you have available to you overwhelm you with choice, the right auto accident attorney can help you sort out which options are right for your unique needs.
If you were a passenger who was in an auto accident, contact us today. Let the Law Office of Freeman and Freeman help you get compensation for your accident so you can pay your medical bills now when you need to.