What Happens if I am Injured in a Car Accident as a Passenger?

What Happens if I am Injured in a Car Accident as a Passenger

Have you been injured in a car accident as a passenger but are unsure of what your rights are or what you should do next? The Law Office of Beverly R. Caruthers can help you get back on your feet and seek the justice you deserve in your case. Your claim will most likely be made against the person driving the vehicle’s insurance policy, under their personal injury protection plan. However, in cases where the person operating the vehicle you were in at the time of the accident was not at-fault, you may need to make a claim against the other driver’s insurance policy. In some cases, you may even end up filing two separate claims against both driver’s insurance policies. This can be difficult to navigate on your own, especially if you are trying to heal from your injuries. Working with an experienced car accident attorney in Houston, such as Attorney Caruthers, can help you to take charge of your case and get the compensation you deserve. Fill out this contact form to get a no-cost, no-obligation case evaluation today.


What Do I Do Immediately Following The Accident?

This will depend on if you and everyone else involved in the accident is in stable condition. You will want to make sure no one is left in harm’s way and that anyone, including yourself, who has been injured receives the medical care they need as soon as possible. Do not move anyone who is injured unless they are specifically in danger of being hit by another vehicle, the vehicle they are in is on fire, or some other circumstance threatens to make their injuries worse. 


Once you and everyone else involved in the accident are no longer in danger of becoming more severely injured, you will want to gather as much information as you possibly can surrounding the events leading to the accident as well as the individuals involved. You will need to record the insurance information from your driver and any of the other drivers who were a part of the accident. It is also helpful to get a copy of the accident report made by any responding officers and to record statements from any witnesses to your accident. Recording all of this information will greatly help you when it is time to file a claim for any injuries that you have suffered.


Filing Your Insurance Claim

The first step passengers will want to take following an accident that resulted in their injury is to start the process of filing a claim with the at-fault driver’s insurance company. The most simple way to do this is through the personal injury protection or medical payments portion of their car insurance policy. Texas is an at-fault state. Which means that if you have been involved in an accident caused by another party, that individual is most often responsible for compensating you for your injuries and any property damages their actions led to. This is typically paid out through their insurance


If the accident was the fault of a driver operating a vehicle outside of the one you were in, you may be able to file a claim against their insurance. Each state has a minimum amount of insurance that a person must carry for their vehicle. Bodily Injury Liability and Property Damage Liability are two coverages that are a requirement in most states. Texas law requires drivers to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage


When it comes to filing a claim against the other driver’s insurance policy as a passenger in a vehicle, it can be difficult to figure out on your own. Working with an experienced car accident attorney in Houston can help you to navigate difficult obstacles that may stand in your way from getting the compensation you truly deserve. For instance, you may not be eligible for this coverage if your injuries do not meet certain statutes. The second is that the driver may not have enough insurance to cover your expenses, leaving you in a difficult position. 


Insurance companies do not make it easy for injured passengers to go through them to collect information or compensation. You may notice a lot more doors close than open while you try to get answers for your case. In many accidents the fault or a person’s responsibility for an accident may require evidence and a solid case, in order to prove they are at fault. This can cause a long and drawn-out process of trying to prove fault for the accident. When there are more drivers involved it only becomes more complex to work through. 


Personal Insurance

Another option if you are a passenger that becomes injured in a car accident is to file your claim with your own personal driver insurance. If you have personal injury protection, you may be able to use your own coverage to help cover the costs of your medical bills. The most common issue with this is that your rates may increase after you file a claim. This may not be a small amount and it can be difficult to estimate how much you will be penalized until after the claim has gone through. Instead of being charged more for the choices made by another driver, contact the Law Office of Beverly R. Caruthers, Our team will work with you to ensure you are getting the best protection possible.


Another option for those who become injured in an accident is to use their own health insurance policy to assist in paying any medical bills that resulted from the car accident. Using your health insurance can reduce the costs of your medical care after an accident. However, it is important to keep in mind that if you receive a settlement or compensation from the insurance companies, you may have to pay your health insurance company back for any medical expenses that the company covered after your injury. 


Beware of Predatory Insurance Companies

One of the most frequent and damaging mistakes victims of car-related injuries make is believing insurance companies will compensate them fairly if they cooperate with them. Unfortunately, insurance companies are businesses out to protect their bottom line, meaning they want to pay you as little as possible for your injury. When you work with experienced car accident attorney Beverly R. Caruthers, you can rest easy knowing your case is being handled by a highly experienced and knowledgeable legal team. When it comes to getting justice for her clients, Attorney Caruthers has an excellent track record. Our team knows how important it is for you to be able to focus on healing comfortably and with as little stress as possible, this is why our staff works so hard for you. Fill out our case evaluation form today to start making steps towards getting compensation in your case.


Car Accidents Happen Everyday, Don’t Let Your Case Fall Through The Cracks

There are thousands of car accidents every single day. In some cases, these accidents are minor and both drivers are able to walk away without injuries. Unfortunately, many times, drivers and passengers are injured in these accidents, leaving behind physical and financial devastation. Getting fair compensation for the injuries you suffer due to another driver’s careless or reckless choices is rarely as simple as it seems. These cases can quickly become expensive ordeals that end up leading to thousands of dollars in medical bills, auto repairs, and lost wages. This is why it is important to do everything you can to protect yourself following a car accident. Receiving compensation for an accident that was not your fault can provide vital financial support and necessary medical assistance. The team at the Law Office of Beverly R. Caruthers is here to help you navigate this difficult time in your life, so that you can move forward without having to worry about affording the things you need. Do not hesitate, contact us today to learn more about your options moving forward. 


Is Spanish your first language? Are you unsure how to navigate the complex legal world after being involved in a car accident that left you with injuries? You are not alone! At the Law Office of Beverly R. Caruthers, our team refuses to let a language barrier affect your right to justice and compensation. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you. We make it simple for those who have been injured in car accidents to navigate the legal system in order to get the results they need to continue on in their lives. Schedule your no-obligation car accident consultation with Attorney Caruthers today. Our team will work with you every step of the way to ensure your needs are being met and that you are getting the treatment you deserve in your car accident case. Don’t hesitate, the sooner you call the more we can do to get you results in your case!


Best Car Accident Attorney in Houston TX

If you have been injured, experienced loss of income, or are unable to work because of a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you! Our team works hard to bring the most efficient and practical solutions to your car accident case. Beverly R. Caruthers proudly serves and defends the Greater Houston area including but not limited to Baytown, Conroe, Crosby, Humble, Huntsville, Lake Jackson, Missouri City, Pasadena, Spring, Tomball. Our legal team is bilingual and offers Spanish speaking legal counsel for all of our clients. If you need legal representation following an incident don’t hesitate to contact Beverly R. Caruthers Law Office! 




Beverly R Caruthers Law Office
Address: 4141 Southwest Fwy, Suite 620
Houston, TX 77027
(713) 526-9557
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