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Passengers and liability claims

On Behalf of | Oct 6, 2022 | Blog, Motor Vehicle Accidents |

Passengers often suffer injuries when involved in car crashes on Ohio roads. Many will file insurance claims to recover their potentially significant losses.

Passengers and insurance claims

A passenger who suffers an injury in a vehicle collision could require immediate and follow-up medical care. A passenger may suffer financial losses from the bills and the inability to work until recovered. The victim might need to file an insurance claim to recover losses.

Insurance policies provide liability coverage when a driver’s negligence causes injuries or property damage. If a passenger is inside a vehicle and another driver crashes into the car, the passenger may file a liability claim against the negligent driver’s policy.

Sometimes, a passenger could be inside the vehicle driven by a negligent driver. A passenger may occupy a car driven by someone choosing to speed excessively and causes an accident. The passenger may file an insurance claim against the person operating their vehicle. After all, their driver was negligent.

In some instances, passengers who carry auto insurance could file a claim with their policies under personal injury protection (PIP) or MedPay coverage. The passengers would need these coverages on their policies to do so.

It might be possible to file an auto insurance claim under uninsured or uninsured motorist coverage. Victims could check with their insurance companies to see if this is possible.

Points to remember about filing claims

Passengers injured in motor vehicle accidents may only file claims up to insurance coverage limits. If injuries exceed those limits, the passenger may need to sue beyond coverage limits.

Insurance companies may try to settle for low amounts. Effective negotiations might be necessary to receive a fair settlement.