Whose Insurance Covers A Passenger Involved In A Car Accident

When you are a passenger in a vehicle during a car accident, it is already scary enough. Adding the complications with car insurance policies and coverage is even worse. Fortunately for you, our office offers decades of expertise around the issues of coverage and applicable policies.

Insurance Coverage

Car insurance of a driver can extend to the passengers of the car as well as to certain immediate family members, including the following. A spouse, even when not explicitly listed on the insurance policy, is covered under the insurance policy, unless they are specifically excluded or no longer reside together. Additionally, any licensed driver who lives in the same household as the named insured who is related by blood, marriage or adoption is usually covered under the insurance policy. Additionally, coverage can be extended to anyone who is named on the policy, for example a step child or boyfriend. Lastly, any person who is using the vehicle with permission is usually covered by the liability policy.

Who is Liable?

If you were an injured passenger and not included on the policy via the above information, you may still be entitled to file a claim against a few parties. First, you can file a claim against the at fault party. Second, you can file a claim against the driver of the car you were riding in. If you have uninsured, underinsured motorist coverage, you can also file a claim with your own party.

When you are a passenger whose been injured in a car accident, filing a claim can be quite confusing and an annoyance on top of your injuries. Thus, call (310) 683-2300 for our law firm today to take care of all of your auto injury legal needs and representation.