How Do You File A Passenger Injury Insurance Claim?

If passengers were injured in a car accident, both they and you will need to figure out who is responsible for their losses. You have many options when doing so:

• The drivers who caused the accident
• The people who owned all of the cars that were involved in the accident – it only applies if the people who drove the cars weren’t the ones who owned them.
• The employer who the driver was driving for, if the driver was working when the accident occurred.
• The parent of the driver, if a minor caused the accident.
• Anyone who may have contributed to the accident
• Your own insurance company and those of everyone who was involved.

There are some scenarios in this regard that are worth exploring:

Drivers and car owners

If you are an injured passenger, you can file a claim against the liability insurance coverage of the driver of the car that you were riding in. You can also collect from the liability insurance coverage of any other driver who was involved in the accident. Your Personal Injury Lawyer in Oakville knows that settlement is limited to the amount that your claim is worth.

The driver’s insurance company

If your best friend was driving your car and hit a stationary object, then you can file a claim against her insurance company. If your best friend hit a tree while driving you in your cousin’s car and you were hurt, then you can file a claim against your cousin’s insurance company.

You can file a claim against the other driver’s car insurance company if you were injured but are not sure who was at fault. Note that this would make little sense to do if your wife was driving you and she hit an electric pole.

You may need to file a claim with your own insurance company, even if you are not at fault if you need to pay medical bills immediately or if the other drivers are uninsured or underinsured. You can also avoid going to court as a passenger and receiving a settlement. There are many reasons why you would want to do so:

• You want to save money
• You want a guaranteed settlement
• You want a quick settlement

How Much Your Passenger Injury Claim Will be Worth?

The amount that your passenger injury claim will be worth will depend on a number of factors:

• How severe and extensive your injuries are
• The nature and extent of your medical treatment
• The likelihood of you suffering permanent injuries or disabilities because of your accident.
• Present and future lost income and wages
• Mental and physical pain and suffering

You can always take your case to court, but make sure you consult with a personal injury lawyer to see if it would make any financial sense to do so. You may be forced to go to court when neither side wants to settle. You may also be forced to file a lawsuit if other passengers besides you were injured.

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