If you are a passenger in a car accident, you should know your rights, especially if you have endured serious bodily injuries. It can be confusing trying to figure out who is responsible for your medical bills while dealing with multiple insurance companies. Generally, a passenger who is injured in a car accident where another person is driving has two options to recover damages after a crash:
- The driver’s medical insurance: Insurance carried by driver of the vehicle they were riding in at the time of the accident
- The at-fault driver’s liability insurance: In Pennsylvania, the minimum bodily injury liability insurance a driver must carry is $15,000 per person and $30,000 per accident
Although Pennsylvania is a no-fault state, every driver is still required to carry liability insurance. Liability coverage pays for any injuries to the driver and their passengers if they are involved in an accident.
Tort Insurance and Passenger Injuries
Under Pennsylvania Law, drivers have the option to carry full or limited tort insurance. If you are a passenger involved in a crash and have tort insurance, you are covered under your own policy. If the driver of the vehicle involved in the crash carries tort insurance, you have the right to compensation under their policy. There are two types of tort coverage:
- Limited tort insurance: Limited tort insurance only allows for economic damages, including medical bills, unless the passenger suffered a serious injury.
- Full tort insurance: Full tort coverage also allows for noneconomic losses that are more difficult to quantify, such as pain and suffering.
Personal Injury Claims for Injured Passengers
A personal injury claim against a negligent driver is another option to recover compensation for all the losses resulting from a serious crash. From the time you are aware that you have been hurt as a result of another person’s actions, you have two years to file an action. Your Philadelphia car accident lawyer manages all the details of your claim, including gathering crucial evidence and enlisting physicians and other experts to prove the details of your case. Because any delays can cause important evidence to be lost, you should schedule a case consultation immediately after a motor vehicle accident where you are a passenger.
Philadelphia Car Accident Lawyers at McCann Dillon Jaffe & Lamb, LLC Represent Passengers Injured by Reckless Drivers
Even if you are not behind the wheel at the time of a crash, you still have the right to recover damages for your losses as the passenger. Because these cases are complex, it is always best to review all your options with an experienced Philadelphia car accident lawyer at McCann Dillon Jaffe & Lamb, LLC before accepting a settlement. To get started today, call 215-569-8488 or use the online form to schedule a free consultation. Located in Philadelphia, Abington, and Media, Pennsylvania; Wilmington, Delaware; and Haddonfield, New Jersey, we serve clients throughout the surrounding areas.