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What Should I Do If I’m the Passenger in a Car Accident in Florida?

What Should I Do If I’m the Passenger in a Car Accident in Florida?

Updated: Apr 6, 2023

Car accidents can cause serious injuries that require long-term care. Auto insurance does not just provide for the injuries of the people driving the car at the time of the accident. If you are a passenger in a car that is in an accident, you will have access to insurance coverage just like the driver of the car.

Many people in Orlando and central Florida are not aware of the rights of those who are passengers in a vehicle at the time of an accident. This is critical information for you to know so that you can seek insurance benefits that will help you to cover your medical expenses after an accident that caused you harm.

The Rights of Passengers in Cars in Central Florida

If you have been injured while riding in a car that someone else was driving, you will get access to insurance coverage that is extended from your vehicle owner’s insurance policy. This coverage is called Personal Injury Protection (PIP), and it will cover a set amount of the medical costs that are related to your injuries.

This coverage is tied to your personal auto insurance policy, but what happens if you do not have a car that you own and drive in Orlando or Central Florida? When you do not own a vehicle, your injuries will be covered under the Bodily Injury Liability coverage included in the policy that the driver of the vehicle has taken out.

Florida is a no-fault state, which means that you can open a claim on either your own personal auto insurance policy or the driver’s insurance policy without having to wait for the fault to be determined after an investigation. The insurance companies will examine the case and determine who is at fault after the accident, but you will be able to seek insurance support for your medical bills and expenses right away.

When to Pursue a Claim in the Orlando Area

As stated before, PIP and Bodily Injury coverage only cover your medical bills up to a set amount. If you have suffered long-term injury or have extensive medical bills that need to be paid, you might want to seek a claim against the at-fault driver who caused the accident. This claim will ask for an award that matches the amount of money not covered by your medical coverage on your insurance policy, and it will also typically include pain and suffering.

The compensation demand that you make could be for a very large sum of money if you have suffered a permanent injury during the accident that will prohibit your ability to work or care for yourself. While it is possible that you will not be able to recover all of your medical costs, filing a claim against the at-fault driver can make a big impact on your ability to pay your bills.

Claims against the driver who was at fault in the accident do require that you prove that they were at fault for the accident. This can be difficult for a variety of reasons, so you will need to be sure that you have the right witnesses and information to be able to prove this accusation before a judge or during a trial. If you have been injured in a very serious way that has caused lasting injuries, you will almost always want to seek a claim against the at-fault driver and you will be more likely to support this claim with your medical documentation and the testimony of the driver of the car.

Work With a Skilled Personal Injury Lawyer in Central Florida

Driven Law offers you access to a skilled legal team who can help you to get the compensation that you deserve after you were harmed as a passenger in someone else’s car. If you need to make a claim against the at-fault driver, or if you need help navigating the insurance settlement process, you need to secure a skilled personal injury lawyer for your case.

Contact us today for a consultation. We can help you to get the maximum compensation that you are entitled to after your accident so that you can pay your medical bills and get back to living your life.

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