PASSENGER INJURED IN CAR ACCIDENT – WHICH INSURANCE PAYS? WHAT ARE MY RIGHTS?
If you were a passenger injured in a MN car accident, the insurance issues can be complicated. Our best car accident lawyers will provide you with a free consultation to explain your rights in your specific situation. However, here is some general information about which insurance pays compensation to an injured car accident passenger.
First, in general, your own auto insurance pays the first $20,000 of medical bills and $20,000 of wage loss if you are a passenger in someone else’s car. This is called PIP or No-Fault coverage and is required in Minnesota. If you own your own car or live with a relative who owns a vehicle, that is the insurance that pays your initial medical bills and wage loss in any MN car accident, regardless of fault and even if you are in someone else’s car. If you do not own an insured car or live with a relative who does, then the PIP coverage will be paid by the insurance for the owner of the vehicle you were riding in.
Additional compensation for the passenger, for example if the medical bills exceed $20,000, are paid by the insurance for whichever vehicle was at fault in the accident. The additional compensation for a car accident passenger can be against the insurance for the driver of the car they were in, or the other vehicle. Sometimes both drivers can be partially at fault in a car accident, so the passenger can have a claim against the insurance for both.
There are other insurance issues for the passenger in someone else’s car, such as pain and suffering compensation and underinsured or uninsured compensation. One of our top car accident lawyers will explain these to you in more detail when you call our office.