When a car crash occurs, it is not uncommon for more than just the driver to sustain injuries. If passengers are in the vehicles at the time of the incident, there is a good chance they too will endure injuries. But who is financially liable for passengers’ medical bills, lost wages, and other damages? Does insurance cover passenger injuries? Learn more below, and get legal help today.
At Coogan Gallagher, we advocate on behalf of victims of car accidents. If you or a loved one has sustained an injury as a driver or passenger, contact our firm today for a free consultation.
In at-fault states like Illinois, one party generally assumes all or a majority of the responsibility for an accident. The person who assumes the most fault is liable for damages. However, if that person carries liability insurance and/or additional coverage, their insurance company is responsible for paying out damages. This is the case even if an injured party includes a passenger.
Liability insurance is not the only type of insurance coverage that protects passengers in the event of a car accident:
It is a good idea to invest in insurance coverage that protects both you and passengers in your vehicle. Adequate coverage includes a standard liability policy in addition to personal injury protection, bodily injury protection, and uninsured/underinsured motorist coverage. Though you may think you do not need it, it is best to be overprepared than underinsured.
In the event that you do sustain injuries as a passenger of a motor vehicle, contact an attorney as soon as possible. A skilled car accident lawyer can advise you on how to proceed in this type of situation and what you need to do to ensure an adequate recovery.
Contact Coogan Gallagher today for a free consultation.