Passenger in a Car Accident

Today, we’re going to be talking about how car insurance works for passengers after a car accident. How your injuries will be covered depends on a few factors, including your state’s laws, who was at fault, and what type of insurance the drivers carry. You typically have three options for filing an insurance claim when you’re a passenger in an accident.

Your first option is to file a claim with your driver’s insurance company. If they have personal injury protection or medical payments coverage, then their policy will pay for your medical bills, regardless of who was at fault for the wreck. If they don’t have either, you would need to file a bodily injury claim with their liability coverage.

However, you can only do this if they are at-fault for the accident and you are not a member of their household. When another driver is at-fault, you can file a claim with their bodily injury liability insurance. However, there are a few issues that can arise with this option. Liability policies have an established payment limit, and if your medical bills exceed that amount, then you’ll have to cover your remaining expenses yourself. Liability insurance can also be tricky if fault isn’t immediately clear after the accident, which means you could be stuck waiting a long time for compensation. 

Finally, you can file a claim with your own insurance, if you have it. If you have a car insurance policy with personal injury protection or MedPay, it’ll apply even if you’re a passenger. You could also use your personal health insurance to cover your costs, especially if you’re waiting for a settlement from someone else’s car insurance company. Filing a claim with your own car insurance is usually the quickest and easiest way to receive payment. As a result, it’s generally a good idea to purchase a policy that includes PIP or Medpay, even if your state doesn’t require you to have either. If you’re ready to get a personal car insurance policy, we can help you get started. I hope you enjoyed this session on everything you need to know about Passenger in a Car Accident. So always be sure to contact a professional before making any financial decisions.