Can a Passenger Pursue Their Own Insurance After a Car Accident?
Yes, passengers in a car accident have options for pursuing compensation, even if they weren’t driving or in their own vehicle. In Texas, one of the most important tools for a passenger is Uninsured/Underinsured Motorist (UM/UIM) coverage. This optional insurance coverage exists to protect you if the at-fault driver doesn’t have enough insurance to fully cover your medical bills, lost wages, and other damages.
For example, if you were riding in a friend’s car and the vehicle was hit by someone without insurance, you could potentially make a claim under your own UM/UIM policy. This coverage acts as a safety net, ensuring that your injuries can be compensated even if the responsible driver cannot pay. In addition, if your friend also has UM/UIM coverage, both policies may be available to maximize your recovery.
Passengers may also be eligible to pursue compensation from the at-fault driver’s insurance. However, insurance limits can sometimes fall short of covering all your damages, which is where your own coverage becomes invaluable. In certain scenarios, a passenger may be able to layer claims: the at-fault driver’s insurance first, followed by their own policy, and then potentially the driver of the vehicle they were in if underinsured coverage applies. This can significantly increase the total amount available for medical bills, lost wages, rehabilitation costs, and pain and suffering.
It’s important to remember that each policy may have specific language and limits, and coordination between multiple insurers can be complex. Working with an experienced personal injury attorney ensures that you navigate these claims correctly, maximize your potential recovery, and avoid pitfalls that could reduce compensation. Even if you weren’t behind the wheel, your right to be fully compensated for your injuries remains protected.
