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Auto accidents are one of the leading causes of injury in the United States. Because so many vehicles are on the road at any given time, and the majority of car crashes are due to human error, most people will be involved in an accident at least once in their lifetime. As a passenger, the experience could be even more terrifying. The individuals with the most control during a collision are the drivers. Any other people in the vehicles are, literally and figuratively, along for the ride.
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The good news is passengers have a higher likelihood of getting compensation after a filed claim. Because you weren’t driving, the insurance company of the at-fault driver can’t blame you for causing the collision, even if you were in the at-fault driver’s car. In a 2-vehicle accident, at least 1 driver will be at fault in the incidence.
As the passenger, you would file a claim with both motorists’ companies if it was a 2-car crash. You need the insurance information of all drivers involved in order to begin the process. Remember, all states have a statute of limitations that puts a timer on the filing process. In Florida, you have 4 years from the date of the incident to submit your personal injury claim (3 if you’re filing against a city, county, or state government).
Florida has what is called a no-fault law, meaning all those involved in a collision rely on their own policies to pay for damages even if another motorist was at-fault. However, a passenger injured in a car accident can still file a personal injury protection (PIP) or no-fault claim against the at-fault drivers for all medical bills and lost earnings.
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Passenger injury claims, while unlikely to be disputed by the insurance company, could get complicated. In multiple liability cases, for example, both motorists might have to pay a different amount of your compensation, which could mean going to court if one or both drivers doesn’t agree with the company’s verdict. Likewise, multiple passenger injuries can exceed the amount the at-fault driver’s insurance will pay, which means you might need to go to court to sue for enough to cover the full cost of your medical care and lost wages.