Drivers injured in car accidents may be entitled to compensation for medical expenses, lost wages, pain and suffering, and other damages. But when passengers are hurt in a wreck, you may wonder who pays for their damages. Ultimately, it depends on who was responsible for the accident and how well insured the involved parties are.
For passengers seeking compensation for accident-related injuries and losses, the first step is to file a claim against the at-fault driver's insurance policy. Typically, these policies cover medical bills, lost wages, and even pain and suffering—but there’s often a limit. If a passenger's injuries are significant or costly, it may be necessary to pursue compensation from additional sources, and the injured victim has a number of options.
Car accidents are not always the fault of a single motorist. If the drivers of any of the other involved vehicles were found to be even partially responsible, injured passengers can file claims against their insurance policies, as well. However, the amount received can't exceed the total value of the claim.
In cases where the at-fault driver or drivers lacked insurance—or when the compensation recovered through their insurance policies is insufficient—injured passengers may be able to file a claim against the uninsured/underinsured provision of their own automobile insurance policy. In Tennessee, all liability car insurance policies automatically include uninsured motorist coverage. The limits for this type of coverage are equal to the policy's bodily injury liability limits.
Car Wreck Lawyers You Can Count On
If you were a passenger and injured in a car accident, the experienced car wreck lawyers with the Holton Law Firm can help you explore your legal options and identify all potential avenues of compensation. Contact the Holton Law Firm today to schedule an appointment for a free initial case consultation.