You may have suffered injuries or property damage. There are many options. It all depends on who was at fault for an accident. You can also claim on the car insurance policy that covers the driver and passengers. You may be eligible to file a claim depending on the terms of your policy.
You must be able to manage your injuries. It is also important to get the right advice. A car accident lawyer will help you protect your rights and get the compensation you deserve. Let’s look at some things to do if your passenger is hurt in a car accident.
Filing with another driver’s insurance
If you were a passenger in a vehicle accident, you can file a claim against the insurance of another driver. Nearly all states require that drivers have car insurance in order to operate a vehicle. Two types of coverage require minimum coverage.
* Coverage for bodily injury (BI) – Insures expenses incurred due to a bodily injury.
* Liability to property damage (PD). – Covers damage to property and passengers.
It can be difficult to deal with the insurance of another driver. It is often not easy to determine who is responsible for an accident.
Filing with Driver’s Insurance
You may be able to pay your bills depending on the circumstances. Personal injury protection (PIP), or medical payments coverage, is the most popular insurance. All car passengers are covered by “first-party benefits” insurance such as PIP or MedPay. First-party benefits insurance can pay for medical expenses regardless of who was at fault in an accident.
Both your friend and the other driver will need to be insured. You can also request reimbursement from your driver. The driver will be required to pay an additional expense for the trip, but they may not have to pay any future increases.
File with your insurance
You can also file a claim with the insurer. This is an option. You can still use your MedPay or PIP policy to pay your medical bills if you are a passenger in a car. Due to their limitations, PIP or MedPay may not be able to cover an extremely expensive accident. However, there should be some coverage for any urgent medical bills.
If you have health insurance, your medical expenses should be covered. It is possible that you will need to use all of your auto insurance benefits. This can be treated differently by different insurers, so make sure to check with yours.
A car accident can be emotionally and physically traumatizing. These steps will help you get the compensation you need.