Who Pays When A Passenger Is Injured In A Car Accident?

When passengers are injured in auto collisions, it can create confusing or awkward scenarios. Whose insurance covers the passenger’s compensation? What if the at-fault driver is a family member or friend?

Our experienced personal injury attorneys have dealt with these issues many times. Compensation depends on the circumstances of the accident and the insurance policies in play. Bottom line: you can count on Luxenberg Garbett Kelly & George to take care of you. We pursue all applicable claims to make sure that you are compensated as fully as possible.

We Know The Issues In Passenger Accidents

Passenger injuries can be legally complicated, but our lawyers will deal with the insurance companies for you to sort it all out. Pennsylvania is a no-fault state. This means that each person’s medical bills and lost wages are covered by their own insurance even if another driver was at fault for the crash.

  • In the case of an adult passenger, their own car insurance pays even though they were not driving.
  • In the case of a child passenger, their family’s auto policy pays, even if the parent or older sibling who was driving was at fault.

In a serious car accident, the damages may exceed the policy limits of the victim’s no-fault insurance. At that point in a passenger injury claim, we would pursue additional compensation through:

  • A third-party claim against the other driver (if they were at fault)
  • An uninsured motorist (UM) or underinsured motorist (UIM) claim if the passenger has that coverage on their policy

Do I Have To Sue My Friend Or Family Member?

If you were riding with a friend, a co-worker or relative when the accident occured, it could be necessary to bring a claim against them to get all of your losses covered. It is understandable to be leery of “suing” someone you know. Keep in mind this is primarily an insurance matter. Typically, we can work out a settlement without having to file a formal lawsuit and point fingers in court.

Let Us Deal With The Details

We can address all the nuances in car accidents, such as limited tort vs. full tort coverage in auto insurance policies. The legal team at Luxenberg Garbett Kelly & George has represented many injured passengers with good results. We will handle the legal and insurance issues while you focus on recovering from the injuries.

We handle cases in Lawrence County and surrounding counties of western Pennsylvania, with five office locations. Arrange a free consultation at 724-761-2094 or contact us online at lgkg.com.