In a Maryland car accident claim, the injured party must prove liability and damages. An injured passenger in an auto accident usually has an easier case than an injured driver because the passenger is not at-fault for the accident.
However, who is at-fault for the accident, the passenger’s driver or another driver, will determine which insurance policy will cover the passenger’s damages?
Claim against the other driver’s insurance
If it is the other driver who was at fault, the injured passenger can pursue a claim against that driver’s policy. The passenger will then receive payment for his or her injuries from that policy.
Claim against the driver’s insurance
If the passenger who was hurt was in the car driven by the driver who was at fault, the passenger has the right to file a claim for damages against that driver’s insurance policy. The passenger will then receive payment for his or her injuries from that policy.
Does PIP apply to passengers?
In Maryland, some drivers carry personal injury protection (PIP) which covers medical bills and lost wages regardless of who is at-fault for the accident. PIP also applies to any passengers in the car. Most drivers have $2,500.00 of PIP insurance. This is a small amount when you consider the cost of an ambulance, emergency room and hospital physician visit.
Schedule a free personal injury consultation today
Looking for a reliable and experienced Maryland personal injury lawyer? The Law Offices of Ross W. Albers are proud to provide exceptional legal help to those in need throughout the state. We take a personal interest in each of our clients, provide expert legal advice, and will advocate for you every step of the way. Contact us today to schedule a free consultation.
The Law Offices of Ross W. Albers are located in Westminster, Columbia, and Frederick, Maryland.