Passengers in a vehicle accident are entitled to compensation for any injuries they have sustained. If you’re hurt while riding in someone else’s car, you can file a claim with the driver’s insurance company. Regardless of who caused the accident, his insurance will cover your medical expenses, up to his policy limits. Depending on who is at fault for the accident, you may also be able to pursue a claim against the driver or owner of another vehicle involved in the accident.
When you’ve been injured as a passenger in a vehicle accident, you can typically file a claim against either the insurance policy of the driver of the car you were riding in, or the policy belonging to the driver of another car involved in the accident. If either driver was using someone else’s car, you may also file a claim with the vehicle owner’s insurance company. You may find that you need to make multiple claims. If one driver’s liability policy lacks adequate coverage to compensate you for your losses, you can also pursue a claim against another driver’s policy. However, the total amount you collect from all drivers and vehicle owners cannot exceed the total value of your claim.
Driver’s Insurance Exemption
While you can generally file a claim against the insurance policy belonging to the driver of the vehicle you were riding in, there is an important exception. If you’re related to and live with the driver, you likely will be unable to pursue a claim against his insurance. This is because you will probably be considered an insured under the policy, and insured individuals can’t pursue a liability claim against a policy that insures them.
You Need an Attorney
If you’ve sustained injuries as a passenger in a vehicle accident, you need representation by an experienced attorney in order to receive the compensation you deserve. To learn more, contact the Law Office of Ben Crittenden, P.C., by clicking the Live Chat button on this page.