What should Injured Passengers should do if your involved in an Accident.

If you or someone you know has been involved in an automotive accident as a passenger, this can be a very confusing time. Your situation complicates more when insurance companies can not agree or determine which driver is liable for the accident.

Being a passenger, you know for sure that you were not to blame for the accident. The good thing for passengers is that they have a many options available to them.

Who is at Fault?

The first issue that insurance companies will address is which party was at fault? Insurance companies will launch an investigation to determine guilt by working with the police reports, statements as parties involved, and speaking to witnesses who saw the accident.

passenger accident

Filing a Claim against other driver's insurance.

If the other driver is found at fault, the passenger can then pursue a claim against the other driver's insurance coverage. Guilt even applies if the other driver was less at fault than the driver you were riding with. You still have the right to collect compensation from the other driver because that driver shared in liability.

However, the amount of compensation that the passenger can receive is no more than the overall value of the claim.

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Filing a Claim against the Driver.

If the driver was at fault, you would have the legal right to file a claim against the driver's insurance. This allows you to receive financial compensation for the injuries, lost wages, and pain and suffering. Liability coverage usually covers to a limit per person.

Some unique rules may be applicable if the driver is related to you. The insurance policy may not cover injured persons that are family because the claim would be covering its own driver. Most insured drivers may can't file a claim against their own liability coverage.

Passenger Liability

If the passenger is determined to be partially at fault, his or her recovery can be reduced by share of fault.

If you require legal assistance, contact Doehling Law here to schedule a free consultation with our Attorneys.