What happens if you're a passenger in a car accident? This question is about Insurance for Passengers in a Car Accident

If you’re a passenger in a car accident, your medical expenses will usually be covered by your driver’s insurance or the other driver’s policy, depending on fault. You can also use your personal car insurance policy to cover your injuries if you have certain types of coverage, like personal injury protection. Additionally, you may be used as a witness during the insurance adjuster’s investigation in order to help them determine fault. Coverage That Applies When You’re A Passenger in a Car Accident Type of Insurance Whose Insurance Pays? Personal injury protection (PIP) Yours or your driver’s, regardless of fault Medical payments coverage (MedPay) Yours or your driver’s, regardless of fault Bodily injury liability The at-fault driver’s Uninsured/underinsured motorist (UM/UIM) Your driver’s Health insurance Yours Personal injury protection and medical payments coverage can be used regardless of who caused the accident, though you and your driver may not have either if they’re not required in your state. Additionally, if your driver is at-fault, their bodily injury liability insurance will only cover you if you are not a member of the same household. If you need to file a claim after being a passenger in an accident, you should get both drivers’ insurance information as soon as you can. If you want to learn more, check out WalletHub’s guide to insurance for passengers in a car accident.

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What happens if you're a passenger in a car accident?

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This question is about Insurance for Passengers in a Car Accident

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@WalletHub • 04/26/21 This answer was first published on 04/26/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If you’re a passenger in a car accident, your medical expenses will usually be covered by your driver’s insurance or the other driver’s policy, depending on fault. You can also use your personal car insurance policy to cover your injuries if you have certain types of coverage, like personal injury protection. Additionally, you may be used as a witness during the insurance adjuster’s investigation in order to help them determine fault.

Coverage That Applies When You’re A Passenger in a Car Accident

Type of Insurance	Whose Insurance Pays?
Personal injury protection (PIP)	Yours or your driver’s, regardless of fault
Medical payments coverage (MedPay)	Yours or your driver’s, regardless of fault
Bodily injury liability	The at-fault driver’s
Uninsured/underinsured motorist (UM/UIM)	Your driver’s
Health insurance	Yours

Personal injury protection and medical payments coverage can be used regardless of who caused the accident, though you and your driver may not have either if they’re not required in your state. Additionally, if your driver is at-fault, their bodily injury liability insurance will only cover you if you are not a member of the same household.

If you need to file a claim after being a passenger in an accident, you should get both drivers’ insurance information as soon as you can. If you want to learn more, check out WalletHub’s guide to insurance for passengers in a car accident.

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What should you do after a car accident that's not your fault?

The first thing you should do after a car accident that is not your fault is to make sure everyone inside your car is safe and uninjured. Next, call the police, take pictures of the scene, and exchange insurance information with the at-fault driver so you can file a claim with their insurer. You should also report the accident to your insurance company in case you need to file a collision, personal injury protection, or MedPay claim...

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Can I sue if I was a passenger in a car accident?

Is a driver responsible for his passengers?

Yes, drivers are responsible for their passengers. Drivers are expected to act reasonably and safely on the road in order to ensure their passengers’ safety, and if they don’t, they’re responsible for covering any injuries that a passenger sustains in their vehicle. Specifically, when a driver is at-fault for an accident, their bodily injury liability insurance will cover their passengers’ medical expenses unless they’re members of the same household. Passengers who live with the driver are only...

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