Being injured in a car accident can leave you worried about your health, expenses and ability to work. As a passenger, you might also feel unsure about your rights, especially if the driver responsible for the crash happens to be someone you know. You do not have to accept the financial burden of an accident simply because you were not behind the wheel.
Here are some important things to understand about your rights and options.
Your right to pursue a claim
You can pursue compensation if another driver’s negligence caused your injuries, even if you rode in the vehicle that caused the accident. For example, if your friend ran a red light and injured you, you could have grounds to file a claim against their insurance. Your relationship with the driver does not automatically prevent you from seeking compensation for your losses.
Drivers who may be responsible
You could have a claim against one or more drivers, depending on who contributed to the collision. If another motorist hit the vehicle you occupied, their actions could make them responsible for your injuries. If both drivers contributed to the crash, you might have grounds to pursue claims against both. The circumstances of the accident will help determine who should answer for your losses.
Insurance coverage for passenger injuries
Pennsylvania law provides medical benefits through auto insurance regardless of who caused the accident. Under Section 1713 of the Pennsylvania Motor Vehicle Financial Responsibility Law, your own auto policy generally takes priority if you hold one as a named insured.
Otherwise, coverage under a policy that insures you may apply before the policy covering the vehicle you occupied. Pennsylvania also requires auto policies to include at least $5,000 in medical benefits, though drivers can purchase higher limits.
Liability insurance may also cover damages caused by a driver who bears responsibility for the crash. Depending on the circumstances, more than one policy could apply.
Protect your right to compensation after the accident
Your rights as an injured passenger do not depend on who held the steering wheel. You may pursue compensation from a responsible driver while using applicable insurance benefits to help cover your medical expenses. An attorney can review the accident details and insurance policies to identify potential sources of compensation. Getting legal guidance can help you address your losses and protect your interests as you recover.