Anyone that has been a passenger in a car during the moment when that same vehicle was involved in a collision has the right to submit an injury claim. An injured passenger can make use of that right by selecting one or more of the available procedures.
File a claim with the insurance company of the at-fault driver:
That is an option, if the at-fault driver was someone other than the driver of the car that carried the injured occupant/passenger. Those that select this particular option must make a 3rd-party claim. As with any claim, an effort to reach a resolution would begin with negotiations. If those failed to end with an agreement and a settlement, then the injured party/occupant would need to consider pursuing litigation, as per personal injury lawyer in Lethbridge.
Injured passengers should know that any chances for consideration of litigation could increase, if the reported injuries were serious in nature. In that case, the adjuster would demand proof of the extent to which the reported injury had done serious harm to the passenger’s body.
Option available when collision has taken place in a no-fault state:
In that situation, the passenger’s easiest route would entail filing a claim with the insurer of the car that had become a source of transportation. For those injured passengers that were not in an automobile that was driven by a close family member, that approach would involve submitting a 3rd party claim.
If the injuries were sufficiently serious, you might be able to sue the responsible driver, or anyone else that could be held liable. In other words, in a no-fault state, an injured occupant has the right to file multiple claims, if more than one person could be held liable for the injury-linked accident.
Use health insurance
That would be an option for someone that had purchased a health insurance policy, or had been guaranteed coverage through a policy that had been offered by an employer. Still, anyone that might elect to follow that route should understand that it is not ok to “double dip.”
In other words, someone that has received money from a health insurance provider does not have the right to seek a monetary reimbursement from a car insurance company. That is one reason that the same person ought to hire a lawyer. Lawyers understand how to arrange for repayment of any money that has been provided by a health insurance company.
Option that is not available
If you were injured while in an auto that belonged to a family member, and you lived in the same residence as the insured auto’s driver, then you could not sue the driver’s insurance company. A cooperative driver should work with you, to help with pursuit of other options.