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In a world where insurance companies fight tooth and nail NOT to pay the injured driver of a car accident, it should comes as no surprise that the same is true for passengers. In our book, passengers who are injured due to the negligence of another should be afforded the same coverage as the driver. The key, like a driver, is to contact an attorney as soon as possible to help guide you to full recovery.

INJURIES

Passengers often suffer differ injuries than drivers. Front seat passengers can be injured by the dashboard and/or front windshield in addition to whiplash injuries and back injuries. The fact that there is not a steering wheel may or may not cause injuries to be more or less severe. Rear seated passengers often suffer more serious injuries in a rear end collisions. Additionally, they can injure their head, neck, hands, or chest with an impact to the front seats.

LIABILITY

As with other crashes where another driver was at fault, their insurance company will likely cover any injuries or loss. The important key to remember is that with all car insurance policies, their will be a cap on the amount of the policy and you will be sharing the available coverage amount with the other injured parties in the vehicle. If the other party did not have liability insurance, then either your insurance company can cover you under your own Uninsured/Underinsured Motorist coverage or you may be able to cover file under the driver of your car’s insurance policy. There are limitations on various policies with respect to how you and the driver are related, if any, which may drastically affect your ability to recover. A look into your policy is the first thing to do in this situation. Likewise, if your driver was at fault, then his/her insurance policy should cover your injuries under his policy. Of course, keep in mind that you are seeking compensation from an insurance company and not directly from a person’s own pockets, per se (insurance rates aside, of course).

Being a passenger may present some tricky issues but it should not stop you from pursuing every avenue available to recover for your injuries. You, after all, are a victim and deserve to made whole. Making the claim is just the beginning but you don’t have to go the course alone, an experienced attorney can be at your side to help. Our office can be contacted as follows: