What to Do After Being Injured in Someone Else’s Vehicle: Who pays for passenger injuries in an accident? Your Legal Rights and Next Steps
Being injured in someone else’s vehicle can be a confusing and overwhelming experience. Determining who is responsible for covering your medical expenses and damages adds to the stress. Whether you’re a passenger in a friend’s car or a rideshare vehicle, knowing your legal rights is crucial. Below, we’ll break down everything you need to know about who pays for passenger injuries in a car accident.
Steps to Take After an Accident as a Passenger
If you’re injured in a car accident, follow these immediate steps:
- Seek Medical Attention: Even if you don’t feel injured, some conditions may have delayed symptoms. A medical evaluation ensures your injuries are documented, which is important for any claim.
- Report the Accident: Contact the police and obtain a copy of the accident report, which will be vital when filing a claim.
- Collect Information: Gather the contact and insurance details of all involved drivers. Be sure to note down driver’s license numbers and take photos of the accident scene, the vehicles, and your injuries.
- Gather Witness Information: If there are any witnesses, collect their contact information and make notes of any key details they can provide.
Who Pays for Your Injuries in a Car Accident?
When you’re injured as a passenger, multiple insurance policies may come into play. Here’s a breakdown of possible coverage options:
1. The Driver’s Insurance
If the driver of the vehicle you’re in is responsible for the accident, their auto insurance should cover your injuries through their liability coverage.
2. Another Driver’s Insurance
If another driver caused the accident, you can file a claim against their liability insurance for your injuries.
3. Uninsured or Underinsured Motorist Coverage (UM/UIM)
If the at-fault driver is uninsured or lacks sufficient coverage, you may be able to turn to the uninsured/underinsured motorist coverage of the vehicle’s driver or your own auto policy.
4. Rideshare Accidents (Uber/Lyft)
For accidents involving rideshare services, companies like Uber or Lyft have commercial liability policies with higher limits. You can make a claim with the rideshare company’s insurance, and if necessary, also use UM/UIM coverage.
How to File a Passenger Injury Claim
As a passenger, you are entitled to compensation for medical bills, lost wages, and other damages. Here’s what the claims process generally looks like:
- File a Claim: Contact the at-fault driver’s insurance company (or companies, if more than one driver is involved).
- Submit Documentation: Provide medical records, bills, and proof of any financial losses.
- Negotiate: You and the insurance adjuster will negotiate a settlement offer. If an agreement can’t be reached, you may need to file a lawsuit.
Why You Should Consult a Personal Injury Attorney
Filing a claim as a passenger can get complicated, especially if multiple insurance companies or disputes over liability are involved. A personal injury attorney can:
- Investigate the accident and determine who is liable.
- Handle communications with insurance companies on your behalf.
- Negotiate a fair settlement to ensure you’re fully compensated.
- File a lawsuit if the insurance companies fail to offer a fair amount.
Final Thoughts: Protect Your Rights After a Car Accident
If you’ve been injured while riding in someone else’s vehicle, you have options for seeking compensation. Protect your health and financial well-being by consulting with an experienced personal injury attorney. They can guide you through the claims process and help you secure fair compensation to see who pays for passenger injuries in a car accident.
At Bannister, Wyatt & Stalvey in Greenville, SC, our experienced attorneys are ready to provide you with legal support and representation. If you’ve been involved in a car accident, call us today at (864) 781-0228 or schedule a consultation online.
