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How Are Costs Covered When a Passenger is Injured in an Accident?

In no-fault states, drivers who are injured in a car accident can rely on their own insurance company to cover the cost of damages. This differs from fault-based states, which require drivers to file a claim with the other driver’s insurance company if they are injured in an accident.

Determining the source of coverage may not be as simple if a passenger is injured in a car accident in a no-fault state. Many passengers feel unsure about the role of their own insurance company and the drivers’ insurance providers when accidents occur. The way a passenger can recover car accident damages in a no-fault state will depend on the details of the collision and the coverage their insurance plan provides.

The Passenger’s Car Insurance

If you were injured in a car accident, your insurance provider should cover your damages — whether you were driving or not. No-fault car insurance may also be called personal injury protection (PIP) insurance. The purpose of this type of insurance is to cover the medical expenses of the policyholder if they are injured in a collision. Your policy may cover other expenses too, such as your health insurance deductible and related costs. You should be able to file a claim with your own insurance company if you are injured in a car accident as a passenger.

The Driver’s Car Insurance

You may be entitled to coverage from the driver’s car insurance company as well. Their insurance policy could include passenger or liability coverage, which you can receive by filing a claim with their insurance provider. A standard passenger coverage policy should cover medical bills, but may cover additional expenses as well.

The Other Driver’s Car Insurance and Legal Action

Even if you were injured in a no-fault state, you may be able to recover compensation from the other driver and their insurance company. A personal injury lawsuit could potentially provide you with compensation for damages that were not covered by your insurance company. This may include additional coverage for medical expenses, or coverage for property damage and other costs that are not covered by insurance.

If you were injured while riding in another person’s car, contact Goodman Acker P.C. We can assist you with your legal concerns and help you recover just compensation for your damages.

For a free consultation with our attorneys, send us a message or call (248) 793-2010.

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