If you were injured in a car crash while riding as a passenger, you might feel confused or stuck in the middle. Maybe the driver was someone you know like a friend, a coworker, or even a family member. You may not want to “make things worse” by speaking up.
But here’s what you need to know: As a passenger, you have the same right to medical treatment and compensation as anyone else injured in the crash. You weren’t behind the wheel. You didn’t cause the accident. But you’re the one living with the consequences.
Read more below about what to do if you were a passenger of a car involved in an accident:
Who Can You File a Claim Against?
It depends on who was at fault:
- If another driver caused the accident, you can usually file a claim against their insurance policy.
- If the driver of the car you were in was at fault, their insurance may cover your injuries.
- If both drivers share fault, you may have a claim against both policies.
- If no one has enough coverage, you may still be protected under your own car insurance policy.
But What If You Know the Driver?
This is one of the biggest reasons passengers don’t pursue claims, they’re worried about hurting a friend or relative. But here’s the truth:
- You’re not going after them personally. Rather you’re filing a claim against their insurance, which exists for this exact reason.
- Your friend or loved one isn’t paying out of pocket. Their insurance company is.
- If roles were reversed, wouldn’t you want them to get the care they need?
What You Should Do Next
- Get medical care as soon as possible, even if you don’t feel injured right away.
- Gather any accident information you can: photos, witness names, and the police report.
- Document how your injuries affect your life such as missed work, pain, treatment, or emotional distress.
- Talk to a personal injury lawyer if you’re unsure what your options are.
Don’t stay silent because you feel guilty. You didn’t ask to be injured, and you don’t have to carry the burden alone. Passengers have rights—and you deserve support in your recovery.
Correia & Collins represents car accident victims. Contact us by phone at 506-648-1700 or online for advice. Your first consultation is free.
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Human rights and helping others has always been a passion of mine. In high school, I took human rights courses. At St. Thomas University, it was one of my undergraduate majors. Eventually, I channelled my passion into a career in law. Today, I value the significance my services have in making my clients’ lives easier. Helping them navigate the insurance and legal systems and guiding them during a challenging time is a priority and a privilege for me.