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Being hurt in a motor vehicle accident can leave you overwhelmed and wondering how you will pay for your medical bills and other expenses. If you’re injured as a passenger, It can be challenging to figure out who may be responsible for damages. A car accident lawyer can evaluate your case, determine who may be at fault, and identify all possible sources of compensation. Who may be liable will depend on the specific situation.

Options for Filing a Car Accident Claim as an Injured Passenger

File a Claim with the Other Driver’s Insurance Company

If another motorist caused an accident, and you were injured, you can file a claim against his/her insurer. However, if multiple people were injured, and the at-fault driver has low insurance policy limits, the amount of compensation you receive may not be enough to cover all types of damages. When multiple vehicles are involved in an accident, things can get even more complicated. Hiring an accident attorney can help take the weight off of your shoulders and significantly increase your chances of recovering the full amount of compensation you need and deserve.

File a Claim With Your Driver’s Insurer

You may also be able to have your medical bills and some other accident-related expenses covered by the insurer of the person who was driving the car you were in, regardless of who was at fault. In Pennsylvania, drivers are required to have Personal Injury Protection (PIP) coverage included in their vehicle insurance policy. Again, depending on the driver’s insurance policy limits, PIP may or may not be enough to cover all of your medical bills and wage loss.

If the driver of the car you were riding in as a passenger is at fault, you may be able to recover both economic and non-economic damages such as pain and suffering from the liability coverage on the driver’s policy. People are often hesitant to file a claim with a friend’s or family member’s insurance company. However, you are not trying to get money from them personally, but rather are seeking compensation from their insurer. Once you file a claim, it will be between you and the insurer, and your loved one will likely not be involved. If you hire a personal injury lawyer, they will handle all communications and negotiations with insurers.

File a Claim with Your Own Auto Insurance Company

If you have your own car insurance policy with PIP, MedPay, or uninsured /underinsured motorist coverage, you can use it to pay your medical bills and damages even though you weren’t driving. You may also be able to use your health insurance to cover medical costs. However, some insurers may require you to exhaust auto insurance claims first.

Dealing with multiple insurers can be frustrating and time-consuming. Our Pennsylvania personal injury lawyers provide free case evaluations and give you a straightforward assessment of your claim.  If your claim proceeds, we handle all aspects of your case, act as your strong advocates, and fight to help you recover the full and fair amount of compensation you need to protect your health and financial security.