Being involved in an auto accident is not something anyone in Connecticut looks forward to, but as a driver, you have a general idea of what your options are if you ever have an accident. But what about if you’re a passenger? Understandably, this can be a confusing time for just about everyone involved in the accident. The following includes a few of the options you have at your disposal after a motor vehicle accident (MVA).
Cover the basics
Much like the drivers, you are going to also cover the basics by documenting everything. This means taking pictures of the accident, pictures of your injuries and even statements from those who have witnessed the accident happen. It’s important to do this because the at-fault driver’s insurance company will usually cover any passengers injured as well. You will need this information at the ready when they come asking questions, which they will.
Waiting for a settlement
If the MVA is being contested in court, you may be waiting for weeks to obtain a settlement. In the meantime, you will need to find a way to cover your medical expenses. The fastest way to obtain funds is to file a claim with your own personal health insurance company. You will need to keep in mind that going this route could affect your rates.
Filing a claim with your car insurance company
Even if you weren’t driving the car, you are still allowed to file a claim with your own car insurance company. However, this will only work if you opted in for personal injury protection (PIP). Much like your medical insurance, this could also lead to a future rate increase.
Although there are several options for passengers involved in an accident, it doesn’t mean you won’t meet some resistance. It is important to have an attorney experienced in auto accidents by your side as they may be able to prevent any legal mistakes from occurring.