If you’re a passenger in an accident in Maryland, it can be a frightening experience. Your property could have been damaged in the accident, and you could have been injured. There are a few options that are available so that you can get the compensation and help that you need during the aftermath that ensues.
The other insurance company
After passengers are involved in motor vehicle accidents, they have the option to submit a claim to the insurance company of the other driver that was involved. Drivers are required to have at least minimal coverage while driving in most states, which means that the policy typically covers injuries and property damage of those involved in the accident. Keep in mind that there’s a limit as to how much is paid and that the amount begins to decrease as the number of passengers increases.
The driver’s insurance
Even though you might not want to stir up any issues, you have the right to file a claim with the driver’s insurance company of the car where you were a passenger. A claim can be filed even if the driver was not at fault. One of the things to remember is that you’re not getting money from the driver, which can sometimes solve a few concerns if the driver is a family member or friend. A claim could also be filed only after the other driver’s insurance fails to pay out, resulting in approaching the company as the only option that’s available.
Being in a car accident is often scary in itself but can be more confusing if you’re a passenger. You do have options that can help you deal with issues that could arise.