If you are a passenger during an auto collision you may be wondering what your legal rights are for planning compensation on medical bills and other losses. If you would like to make an insurance claim is an injured passenger there were a number of options available to you.
Third-party insurance claims:
No matter who was at fault for a car accident, you can typically make a claim against other individuals under liability insurance. Typically they claim will be made on the policy of the driver or the owner of the car that you were riding in or the policy of the driver or owner of the vehicle that was at fault for the accident.
Third-party claims are made on either one of these insurance policies. It’s even possible that you may need multiple claims if one driver’s insurance policy does not provide any type of sufficient coverage for your losses. It may be more advantageous for you to claim under the other drivers insurance policy because they delivered $35,000 and medical bill coverage versus the $25,000 in medical coverage it’s available on another policy.
Relationships between drivers and passengers:
If you live with the driver or you are related to the driver of the car it’s likely not possible that you could deliver a liability insurance policy claim with their insurance. If you reside at the same place or you’re related, you are likely covered under the same policy.
Medical payment coverage:
An insurance claim will often take extra time to process and this may mean using your own health insurance to cover some of the treatment after a car accident. Medical pay coverage does not determine who is at fault for an accident but rather, getting access to the right compensation after an accident. These policies are usually limited to around $10,000 but if you do not have access to any type of insurance policy or liability, it can be crucial if you would like some type of relief for your medical costs.
If you’ve been a victim of an accident as a passenger contact us today to learn more about the types of compensation you could qualify for.
This post was written by Kelly-Anne Jenkins of Jenkins Law P.L. Kelly-Anne is an personal injury lawyer She specializes in personal injury, car accidents, and bicyclist injury. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.