If you are a passenger in a cab or your personal car accident, it can be stressful and confusing, especially when you are seriously hurt. Even though you know the accident is not your fault, whose insurance coverage will pay for your medical or other expenses bill? You can claim reimbursement from your driver or the other vehicle driver involved in the accident.
Hire an experienced and professional Fort Wayne auto accident lawyer who will determine the fault and help claim insurance of your medical bills and other expenses incurred due to the crash.
What to do if you are in a car accident as a passenger?
- Seek medical help
If you believe that you or someone has been injured in a car accident as a passenger, the first and foremost thing to do is check for injuries and seek medical help if required. Take your time and rest until service or an ambulance arrives. Make sure you have contacted the local emergency services and the police.
- Exchange information with the other parties
If you are injured in a car accident, Fort Wayne law requires you to exchange information with the other drivers or parties involved in the accident. It is also the same for drivers and pedestrians. Always exchange phone numbers, vehicle numbers, or additional contact information because you need to testify in the future.
- Identify how the accident occurred.
Before making any claim, you need to identify how the accident occurred. You have to know if it was your driver’s fault or the other driver involved in the accident. You will get a refund only if you can successfully prove the fault of person.
- File a claim
- With other driver’s insurance
In every state, all vehicles must carry a minimum amount of car insurance. If you are a passenger involved in a car accident caused by another car, you can file a claim against the other driver’s insurance company. The minimum amount of car insurance includes the Bodily Injured liability (BI), which covers medical bills, and Property Liability damage(PD), which covers reimbursement to property damage of passengers and the driver.
- With your driver’s policy
If your driver caused the accident, you can file a claim against the driver’s insurance policy. You can claim insurance through the driver’s PIP (Personal Injury protection) or MedPay (Medical Payments Coverage). PIP and MedPay are “first party benefits” insurance. First-party benefits mean that you will receive a payout for the medical expenses regardless of who was at fault in the accident.