You may wonder if special rules apply when you’re pursuing a claim as a passenger in a car accident. If the collision involved multiple drivers, you may also have questions about how to proceed with an insurance claim that involves more than two parties. Fortunately, opening an injury claim as a passenger is less complicated than if you were the driver.
Can I Pursue an Accident Claim Against Family or Friends?
A passenger of a car accident is often with a family member who may have caused the accident.
- If you are related to the driver of the car, the insurer may not accept your claim. Most insurance policies cover family members. As a rule, you cannot pursue a claim against the policy that insures you.
- Alternatively, you may pursue your claim with your family member’s Personal Injury Protection or Medical Payments Coverage policy. Both forms of insurance are optional in Nevada, but they do cover passenger claims and don’t depend on fault.
Another likely scenario is when the at-fault driver is your friend.
- Here, your friend’s insurance policy likely does not cover you. Therefore, the insurer cannot bar your claim due to a relationship.
- You may hesitate to make a claim on your friend’s policy, but just know you are only dealing with the insurance company. You are not bringing a personal action against your friend.
Can I Open an Injury Claim Against Multiple Drivers?
Some passengers in car accidents may also consider pursuing a claim against another driver. You can recover from both drivers’ insurance policies if both were negligent. Your best interest may be to pursue multiple insurance claims just in case one driver’s limited policy does not fully cover your expenses. However, it’s important to speak with an experienced car accident lawyer for a second opinion.
When multiple drivers are involved, your claim can become a lengthier process. And while it is clear you deserve compensation for your injuries, insurance companies will continue to devalue your claim.
Passengers in car accidents trust their drivers and other motorists on the road to drive safely. Your injuries deserve to be fully compensated. Insurance companies should not be allowed to obstruct your recovery, but they will. That is why our team at Sam & Ash, LLP, wants to help you find the resources you need for recovery. We will develop an effective strategy to get you on the road to recovery faster. Call us any time for a free consultation at 1 (800) 304-2000.