Discussions about what to do after a car accident often focus on the driver’s post-collision actions. However, numerous accidents on California streets and highways result in passengers suffering injuries. Passengers may benefit from taking several actions after the crash when seeking compensation for their losses.
Passengers and accidents
Anyone injured in a motor vehicle collision may need to assess their injuries. Visiting a healthcare facility for a complete examination might be advisable, as someone could be hurt worse than realized. Be aware that some injuries, such as internal bleeding, might become noticeable later.
If someone was at fault for the collision, then filing a claim against the negligent party’s liability coverage could be necessary. An insurance claim allows injured victims to seek compensation for losses up to the policy’s limits. Suing above policy limits could be an option in some situations.
Some claims involve a negligent driver hitting a vehicle and injuring the passengers of the impacted car. Afterward, the passenger might file a claim against the innocent driver’s policy. Specifically, the passenger could file a claim with the not-at-fault driver’s MedPay or medical payments coverage. The victim might do so when the negligent driver’s policy limits are too low to cover all losses.
Other insurance points
It may be acceptable for the passenger to file a claim against their auto insurance policy if they have one. Personal injury protection, MedPay and uninsured/underinsured driver claims may be worth pursuing. Uninsured/underinsured claims could be the only way a passenger receives compensation when the at-fault driver has no insurance or assets.
Insurance companies could be challenging to deal with since they could make a low settlement offer. Strong negotiations backed by clear evidence might lead to a more substantial and equitable sum.