I was recently in a wreck as a passenger my driver is suing the company and he has a lawyer but I'm not sure if I'm covered and get any monetary benefit to help cover my medical bills and pain and suffering and loss of wages

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 3, 2018

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Insurance Question from Guntersville, AL

Asked on 04/03/2018

I was recently in a wreck as a passenger my driver is suing the company and he has a lawyer but I'm not sure if I'm covered and get any monetary benefit to help cover my medical bills and pain and suffering and loss of wages The passenger in an car accident with neck injuries and injury to left side of body

Answer given on April 05, 2018

Presuming that the accident you were involved in was the other driver’s fault, you would be covered for injuries and other monetary benefits from the driver up to the limits of their policy.  You would be covered under the bodily injury portion of the other driver’s policy.  Sometimes the limit is a single amount and sometimes it is a per person amount.  If you have not spoken to the other insurance company, you should do so to see what is being offered before proceeding with an attorney.

You may also have some insurance coverage from your own insurance. If you carry medical payments coverage, you could collect under that portion of your own insurance. Also, if the other driver does not have sufficient insurance to cover your injuries and other losses, you may be able to collect under your uninsured motorist coverage.  Talk to your insurance agent about these possible insurance coverages.


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