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
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.
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 … read full answercollision, personal injury protection, or MedPay claim with your own policy.
What to Do After a Car Accident That’s Not Your Fault
Move your car away from oncoming traffic and address any injuries. If your car is driveable you should try to move your car out of harm’s way to avoid further accidents or injuries.
Call the police and file a report. This will help you further along the way when filing an insurance claim since a police report will most likely determine fault.
Get the other driver’s insurance information. Take a photo of their insurance card so that you can get in touch with their insurer if you need to file a liability claim.
Take pictures of the scene and damage to the cars. Insurers require evidence before they can settle a claim. Having pictures from the incident will help speed up the claim process.
Report the accident to your insurance company. Even if you don’t file a claim with your own insurance, you should still report the accident to your insurer since they might need to update information related to your vehicle.
Document any accident-related expenses. An accident can incur a bunch of hidden costs. Make sure you keep track of all expenses related to the accident so that you can be reimbursed.
File a property damage and/or bodily injury claim with the other driver’s insurance company. Having gathered all the pertinent information, contact the at-fault driver’s insurer and file a claim. Make sure you have all the information and documents mentioned above so that the process goes as smoothly as possible.
Filing an Insurance Claim When You’re Not at Fault
If an accident is not your fault, you can file a claim with the at-fault driver’s liability insurance. This will cover the cost of vehicle repairs and medical bills up to the limits of the driver’s policy.
Because it can take a long time for an insurance adjuster to officially determine fault, however, you can initially file a collision or personal injury claim with your own insurer to cover vehicle repairs and medical expenses, regardless of fault. Once fault is determined, your insurance company will recover the expenses from the at-fault driver’s insurer, and your deductible will be refunded.
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 … read full answerbodily 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 covered by the driver’s personal injury protection (PIP) or medical payments (MedPay) coverage.
Even if a driver isn’t at-fault, their PIP or MedPay coverage can pay for their passengers’ medical expenses. But these types of insurance are optional in most states, so if a not-at-fault driver doesn’t have either, passengers will have to rely on their own health insurance or the at-fault driver’s liability insurance.
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