Read This Before You Are a Passenger in a Philadelphia Car Accident
Philadelphia, PA, USA, 12/04/2018 / Story.KISSPR.com /
Philadelphia, PA / December 4, 2018 / — If you are a passenger in a vehicle crash in which you suffer injuries, car accident attorney, Rand Spear, wants you to understand a couple of important things. Car accident attorneys often hear from drivers who have been injured in wrecks. However, many times, passengers who are involved in car accidents also suffer injuries, sometimes more serious injuries than the drivers.
The first thing to understand is that if you are a passenger injured in a car accident, you may be entitled to compensation for your injuries. Just as drivers who are not at fault for accidents may collect damages, passengers also may be able to collect financial recoveries for injuries and damages.
Who is Held Responsible for a Passenger’s Injuries?
Another important aspect to be aware of is who is responsible for covering the medical bills of passengers in car accidents. In the state of Pennsylvania, every driver is required to carry car insurance on his or her vehicle. The purpose of insurance is to protect friends, family, and strangers if there is an accident. Many passengers are hesitant to seek damages because they don’t want to “sue” their friend or family member who was driving. It’s important to keep in mind that they carry auto insurance for that reason, and you would not be suing your friend or family member, but instead, be working with their insurance company.
While every injury claim that eventuates from a car accident is different, it’s important to understand who your claim might be against.
- Your car insurance policy – If you are the passenger involved in an accident, but have your own car insurance, your policy may pay for your injuries up to the limits of your policy.
- The driver’s car insurance policy – If you don’t carry car insurance yourself, the insurance of the driver of the car in which you were a passenger will be responsible for your medical bills up to the limits of their policy. This situation is regardless of who is found to be at fault for the accident.
- Your health insurance – If you exceed the limits of your own policy and the driver’s policy, then you may have to use your own health insurance to cover the costs of your medical care.
Seek Help from a Car Accident Lawyer Promptly
The most important aspect to understand when you are injured in a car accident as a passenger is that it is in your best interest to seek the help of an experienced car accident lawyer, just as drivers should. You may be entitled to compensation that exceeds your medical expenses, and having an attorney to advocate for you will help you to have the most favorable outcome for you and your family.
It’s important that you are prompt in doing so – the statute of limitations for car accidents in Pennsylvania is two years. That means that if you are going to file a claim, you must do so within two years of the accident in which you sustained injuries.
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