You may wonder what your legal rights are to plan compensation for medical bills or other losses if you were a passenger in an auto accident. There are many options for you if you want to file an insurance claim as an injured passenger.
Third-party Insurance Claims
You can usually make a claim against others under your liability insurance, regardless of who was responsible for a car accident. They will usually be covered by the policy of either the driver or the owner or the driver of the vehicle involved in the accident.
These policies can cover third-party claims. If one driver’s policy doesn’t provide sufficient coverage, it’s possible to have multiple claims. You may find it more advantageous to file a claim under another driver’s insurance policy, as they provided $35,000 in medical bill coverage and $25,000 in coverage for your medical bills.
Relationships Between Passengers And Drivers
It’s unlikely that you can submit a claim for liability insurance with their policy if you live with the driver, or if you are related to them. You are likely to be covered by the same policy if you live in the same area or you’re related.
Coverage For Medical Payments
A claim for insurance will take longer to process. This could mean that you have to use your own insurance to pay some of the costs associated with a car accident. The purpose of medical payments coverage is not to determine who was at fault for an accident but to provide access to the right compensation following an accident. These policies usually limit to $10,000, but it is important if you don’t have any insurance or liability to provide some relief for medical expenses.
Contact us today if you have been injured in an accident while riding as a passenger. We can help you get the compensation you deserve.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is a car accident attorney in St Petersburg. She focuses on 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.
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