A Guide to Personal Injury Claims in the UK
Being a passenger in a car accident can be both frightening and confusing, particularly if you are injured during the accident. As with the driver, you may not know what to do; however, the biggest question is what insurance covers you in this situation. The matter can be even more complicated if a loved one or friend was driving the vehicle. In this article, we will provide information on what to do if you are injured in an accident as a car passenger regarding insurance claims.
1. Filing A Claim With The Other Driver’s Insurance
If you experience injury in a car accident, the first option is to sue the other driver and claim against their insurance policy. In almost all regions, drivers are required to carry a form of car insurance with bodily injury liability (BI) and property damage liability (PD). The first type of insurance handles injuries and can cover up to a particular limit, but there are several obstacles you can face using this alternative. For example, if you are the only individual injured in the car accident, then the limited amount will be suitable. Unfortunately, the more passengers injured, the less likely the limited amount will be sufficient.
It should also be noted that claiming via another driver’s insurance can be complicated. In the majority of accidents, the ‘fault’ is not always clear and someone needs to be deemed responsible before any payment can be made. If this is the situation in your accident, there may be a long procedure of trying to discover who the guilty party is in the accident. Should the situation involve multiple drivers and cars, this could take months to clear up. If the issue is particularly unclear, you may need to consult a lawyer and settle for an amount that is far less than you expect.
2. Filing A Claim Using The Car Driver’s Insurance Policy
It is also possible to recover damages via the insurance policy of the car driver. The simplest method is by contacting the car driver’s personal injury protection (PIP) or medical payments. Both of these insurance options cover all individuals in a vehicle, including the passengers and drivers, and are considered ‘first party benefits’. This means that the driver can file an insurance claim irrespective of who was at-fault regarding the accident.
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If the driver does not own any medical payment or PIP insurance policies, it is possible to claim using their BI insurance option. If the driver is not a family member, you might be wary of doing this; however, you should know that this action is not going after the driver for money but contacting the insurance company. The claim filed will be against the insurance company and you will seek compensation for the policy, not the policyholder. The friend will not have anything to do with the procedure.
3. Filing A Claim With Your Own Car Insurance
A final option when injured in a car accident is to file a claim using your own car insurance. This is, potentially, the least obvious of the options because you are a passenger in the accident; therefore, you may not consider it a valid alternative. The fact is that you can use your own car insurance policy, but this will cause your insurance rates to increase.