Passengers who are injured in a Texas car accident have the ability to recover financially for their injuries. Depending on who is at fault for the accident, they have multiple options when it comes to filing a claim. In any event, passengers may need to make multiple claims in order to receive an adequate amount of money for their settlement.
One of the first options that an injured passenger has is to file a claim against the other driver’s insurance. However, this can be a hassle. In Texas, there are low policy minimums that mean that the driver may not have adequate coverage to pay the full amount of damage. Another option is to file a claim against the insurance of the driver of the car in which the passenger was riding. Many do not want to do this, but it may be their best bet to get compensated quickly. This insurance may also be able to supplement the settlement from the other driver’s insurance.
Of course, the injured passenger can also file a claim with their own insurance company. However, this should be a last resort because their premiums will increase. Between this and health insurance, it should cover the medical costs of the accident. In a worst-case scenario where nobody else has insurance, the passenger can file an uninsured motorist claim with their own insurance.
This may be difficult for someone to figure out, especially if they are dealing with injuries that they suffered. Injured passengers can benefit from legal help, and they should consult with a motor vehicle accidents attorney. The lawyer could help determine which insurance is the best one to file the claim with and may also be able to negotiate an appropriate settlement agreement. They could also file a lawsuit on their client’s behalf if necessary.