ARE PASSENGERS COVERED BY INSURANCE?
Being victim of a car accident can be confusing—especially if you are a passenger. You may not have an idea of which insurance covers you—your driver’s, the other driver’s, or your own? Here we break down your options and list the multiple ways in which you can file a claim:
The first issue that insurance companies need to resolve is which party is at fault. Accident attorneys usually launch an investigation that includes police reports, obtaining statements from the multiple parties involved in the accident, and talking to witnesses.
FILING A LAWSUIT AGAINST THE DRIVER’S INSURANCE:
After investigation, if the driver of the vehicle is determined to be at fault, the passenger has the legal right to file a claim against the insurance policy of the driver. The passenger is entitled to receive financial compensation for all injuries. Liability covers medical expenses, pain and suffering, and lost wages among other things.
FILING A LAWSUIT AGAINST THE OTHER DRIVER’S INSURANCE:
After an accident, a passenger may file a claim against his/her own insurance policy. This coverage does not require the passenger to prove liability. There are, however, several rules and regulations related to this procedure. For instance, if a person collects his own coverage and later gets compensation from the driver’s insurance, the amount that is already received is deducted from the settlement.
FILING A LAWSUIT AGAINST THE INSURANCE POLICY OF THE PASSENGER:
A car passenger may file a claim against his/her own car insurance policy. This coverage is not based on liability so the passenger need not be at fault. In such policies, pain and suffering is usually not covered. If the victim collects compensation from his/her own coverage and then receives compensation from the driver’s insurance, the amount already received may be deducted from the settlement.
Being the victim of an automobile accident can be difficult and overwhelming. It’s important to remember that even if you do not have car insurance, you can still get coverage under the insurance policy of the driver. The amount you recover will be based on the quantum of loss. For recovering the maximum compensation, it’s always best to seek the assistance of professional legal representatives.
IF YOU OR A LOVED ONE IS IN NEED OF LEGAL ASSISTANCE, CONTACT US NOW.
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