How to get your injury costs covered through a claim after being the passenger in a car accident

If you have been injured in a car accident and were a passenger, you may wonder how to get your injury costs covered through a claim. There are a few different ways you can get compensated for your injuries as a passenger in a car accident.

Depending on who was to blame for the accident, you usually can make an insurance claim in one of the following ways:

  • On the policy of the driver whose car you were in when the accident occurred
  • On the policy of the driver in the other vehicle

A claim in either of these ways is a ‘third party’ claim. It is a claim that you are making under an insurance policy that is not yours. However, it is possible you will need to make more than one claim on your passenger car accident claim.

For example, if Driver 1’s liability coverage does not have enough money to cover your injuries, you could have to file a claim on the policy of Driver 2 for the rest of the claim. This assumes that both drivers shared responsibility for the accident.

Let’s say you are hurt in a car accident as a passenger and have $35,000 in medical expenses. The driver of the of the vehicle that you were in has just $10,000 of liability coverage. You are $25,000 short in attempting to recover medical bills under that policy. You may want to pursue a claim against a liability policy for the other car involved.

Keep in mind that you cannot recover more funds than your claim is worth. One insurance policy can offset the amount you recovered from the other policy.

When You Are Related to the Driver

If you are related to the driver in the vehicle you were riding in, you can in some cases still pursue a claim on that person’s policy. However, if you live with the driver of that car, you probably cannot file a claim against that driver’s liability insurance policy. You would usually be considered insured on that policy, and an insured person cannot pursue a claim of liability against a policy that insures them.

Health Insurance Coverage

All auto insurance claims take time to process, especially if you are making a claim against another person’s insurance policy. Meanwhile, you may have injury costs that need to be covered today. So what should you do?

You can use your health insurance coverage to pay for treatments for your accident injuries. And if you have auto insurance and you have medical costs that must be paid, and your insurance claim against the other driver is being reviewed, you may be able to make a claim for your medical costs under your own auto insurance policy. This sort of coverage is called ‘med pay,’ and many people do not know they even have it.

So, there are several ways to get your accident injuries covered when you are a passenger in the accident. Talk to an experienced personal injury attorney for more information.

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