Being a passenger in a wreck can be equally as scary, if not more so, than being the driver. And what can be even more overwhelming is not knowing who will pay for your injuries after the crash. Luckily, most car insurance policies cover injuries sustained by passengers, too. Here is a look into what you need to know:
Who Was at Fault for the Accident?
Most of the time, who will pay for your injuries depends upon who was at fault. If the driver of the other vehicle was at fault (not the vehicle in which you were traveling), then this driver’s liability insurance should pay for your injuries. If the driver of the vehicle in which you were traveling was at fault, you should still be covered; bodily injury liability insurance is designed to pay for the injuries of all parties hurt by the at fault driver (with the exception of the driver him or herself).
If you were a passenger in a vehicle that you own, and therefore carry insurance for, and the accident was caused by the person driving your vehicle, things can become more complicated. Your insurance company may not be keen on paying for your injuries; however, if the driver of your vehicle is insured, you can seek damages under his or her insurance policy, despite the fact that it did not occur in his or her own car.
You CAN File a Lawsuit
Many passengers wrongfully believe that they are not allowed to file a lawsuit after they have been injured in a car accident. However, this belief is incorrect. You have the right to file legal action, as long as you do so within the statute of limitations, which is two years in Arizona. To help you file your civil action, it is highly recommended that you hire an experienced Phoenix car accident attorney.