There are some common obstacles involved with filing a claim for a passenger injury with the other driver’s insurance policy. For one, this driver’s policy might not have enough coverage to pay for your damages. If only you are the only one who was hurt, it could be sufficient. If there were several passengers and drivers injured in the crash, that amount does have to be divided between all injured parties and amounts will depend upon the severity of the injuries.
The odds are low that all injuries will be covered in an accident with passengers if the driver who is liable only has the legally required minimum levels of insurance coverage. In some states, such as Arizona and California, the state minimum is as low as $30,000 per accident. In the worst-case scenario, your claim could be completely denied, if there are simply no more remaining insurance benefits available.
Filing an insurance claim through the other driver’s policy can be quite difficult. It may be unclear exactly who was at fault for the accident. If that is the case, it could potentially take weeks or even months to establish who was at fault. In this situation, it would benefit you to hire a personal injury attorney to help you obtain fair compensation for the passenger car accident injuries you have suffered.