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How Are Costs Covered When a Passenger Is Injured in an Accident? - Detroit Injury Lawyer
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How Are Costs Covered When a Passenger Is Injured in an Accident?

 

Personal Injury Results

$15.3 MILLION | AUTO ACCIDENT (WAYNE COUNTY, MI)

$3 MILLION | PEDESTRIAN ACCIDENT (INGHAM COUNTY, MI)

$2.1 MILLION | PREMISES LIABILITY (OAKLAND COUNTY, MI)

$2 MILLION | TRUCK ACCIDENT (OAKLAND COUNTY, MI)

$1.9 MILLION | AUTO ACCIDENT (WAYNE COUNTY, MI)

In no-fault states, drivers injured in a car accident can rely on their 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 injured in an accident.

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

This blog examines how costs are covered when a passenger sustains an injury in an accident under Michigan’s No-Fault insurance law. If you or a loved one is a victim of a car accident, our attorneys at Goodman Acker, P.C., can help you understand your rights and how to commence the compensation process. Call us today at 248-286-8100 to book a free case review.

Why retain the services of the Goodman Acker, P.C., team?


Car accident cases are not always straightforward and require the services of an experienced legal team. When you hire the attorneys at Goodman Acker, P.C., you can access our decades of experience, legal knowledge, and understanding of the Michigan legal system and insurance laws.

Call out: We will help you identify the insurance company to file a claim with and ensure your claim is not unjustly denied.

Our car accident lawyers will also ensure the benefits you receive from your insurer are what you are entitled to by law. We work on a contingency fee basis, so do not hesitate to contact us at 248-286-8100.

Who covers the cost of a passenger’s injuries after an accident in Michigan?


If you sustain injuries as a passenger in a car accident in Michigan and need clarification about who pays for your medical bills, among other covered losses, the following are the options available to you:

Your car insurance policy


If you were injured in a car accident, your insurance provider should cover your damages — whether you were driving or not. You are covered by No-Fault insurance personal injury protection (PIP) benefits. PIP covers your medical expenses if injured in a collision, as well as lost wages.

Your policy may cover other expenses, too, such as your health insurance deductible and related costs. Ultimately,  you should be able to file a claim with your insurance company if you are injured as a passenger in a car accident. If you are a non-Michigan resident, PIP covers you only if you own a vehicle registered and insured in Michigan.

Your spouse’s insurance policy can also cover you as an injured passenger, or if you and your spouse lack insurance, the policy of a resident relative can pay for your medical bills.

The driver’s car insurance


You may also be entitled to the driver’s car insurance company coverage. 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 also cover additional expenses.

It is your legal right to receive compensation after a car accident as long as you, your spouse, or a Michigan resident relative has an active no-fault insurance policy.

The other driver’s car insurance


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 compensate you for damages your insurance company did not cover. This may include additional coverage for medical expenses or for property damage and other costs not covered by insurance.

In a lawsuit, you can also receive compensation for pain and suffering and other non-economic damages. However, to be eligible to file a lawsuit against the other driver, your injuries must be severe or catastrophic or result in a disfigurement or disability. You can also take legal action if your loved one died as a passenger and the other driver caused the accident.

Were you injured as a passenger in a car accident? We can help!


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 fair compensation for your damages. Our initial consultations are free, so call us at 248-286-8100 to schedule one.

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