Injured as a Passenger? Understanding Liability When Your Driver Is at Fault

Being a passenger in a car accident is a frightening experience. It often leaves you feeling helpless, as you had no control over the vehicle at the time of the crash. The situation becomes even more confusing when the investigation reveals that the driver of the car you were riding in was the one at fault.

Many people assume that if their driver caused the accident, they have limited options for recovery, especially if they are related to or friends with the driver. However, under the law, passengers are rarely considered liable for an accident. As an innocent party, you have the right to seek compensation for your medical bills, lost wages, and pain and suffering.

When the driver of your vehicle is at fault, you generally have a valid claim against their auto insurance liability policy. This is often referred to as a passenger claim. While it might seem straightforward, insurance policies can be dense and difficult to interpret. The specific language in the driver's policy will dictate the coverage limits and any exclusions that might apply to passengers.

Furthermore, if the driver is a family member who resides in your household, there may be specific clauses regarding family coverage that need to be examined carefully. Insurance adjusters may try to minimize the payout or leverage these relationship clauses to deny a claim.

This is why it is vital to have an experienced attorney review the specific insurance policy language. At Freeman Childers, we handle the complex negotiations with the insurance carriers so you can focus on healing. Do not assume you have no recourse just because you know the driver. Contact Freeman Childers Attorneys today for a professional, confidential review of your case.