Being a passenger in an auto accident can leave you dazed and disorganized. You have a plethora of options when making a claim, which can result in your right to receive compensation for medical bills, pain and suffering, lost wages and more. The insurance companies work to determine which driver is at fault by an investigation which involves police reports, party statements, and witnesses. From there is where you can decide what options you have for compensation as a passenger in the accident. Here are some of the most familiar situations.
If the Driver is at Fault
If the driver of the vehicle that you were in was at fault for the accident the passenger has legal right to file a claim against the drivers insurance. This permits the passenger to receive financial compensation for their injuries in the accident. There are particular rules that apply to relatives of the driver because the insurance company can only insure the person that its covering which is typically the driver. If you were involved in an accident that didn’t involve another driver like hitting a tree or pole, the driver will then be considered negligent and you also will be able to receive compensation from the drivers insurance policy.
The Other Driver is at Fault
If the accident was caused by driver in the other vehicle then you should be able to receive compensation from them. The driver’s liability insurance should cover your injuries up to policy limit as most states require certain amounts of liability coverage. If you and the driver are filing a claim against the person at fault this may cause the money that they have on their insurance policy to quickly disperse as they only have a specific amount of coverage. If the driver of your car has uninsured motorist coverage you may be able to film a claim that can cover the rest of the compensation through that policy.
If you were a passenger in a car accident contact The Cochran Firm today at 1-800-THE-FIRM to get the compensation you deserve.