One of the commonly asked questions related to auto accidents we receive is, “How are passengers’ injuries and claims handled in auto crashes?” Like other forms of personal injury cases we handle, the particulars of an accident determine the outcome with regards to a settlement. In the following post, we examine what a passenger in a car accident should do following it, as well as how to proceed with submitting an insurance claim.
What to Do as a Passenger After a Car Accident
- Call 911
- Speak to the police
- Obtain a copy of the police report
- Get eyewitness information
- Take pictures of the accident scene
- Seek medical attention even if you believe you are uninjured
Also, given your unique perspective, relate what you witnessed to the police for their reports as this may help later with identifying who the at-fault driver was.
Once you’ve addressed the steps above, you may wish to pursue what is called a “third-party claim,” meaning you wish to collect compensation for your injuries from the at-fault driver’s insurance.
Third-Party Injury Claims in Car Accident Cases
Depending on the circumstances of your particular accident, you may file a claim against one of the following:
- The other driver’s insurance company
- The insurer of the person driving the car you were a passenger in
- Your own insurance company
In Maryland, which is an at-fault state, the at-fault driver is considered responsible for any resulting harm, including injuries and other medical problems, pain and suffering, and property damage.
Ways to Prove Your Claim
You’ll first need to prove liability and damages to pursue a claim. This can be done by providing evidence of damages, notably current and future medical costs disfigurement, lost income, pain and suffering, and disability.
How to Submit Your Claim
Step 1: Make sure an accident report is filed with the police and secure a copy.
Step 2: Collect information from both drivers involved in the accident. This should include their insurance and license information.
Step 3: Get checked out by a medical professional and keep records of your injuries.
Step 4: Save all receipts associated with your accident and injuries including medical receipts, lost time at work, and other damages.
Step 5: Contact an experienced Maryland personal injury lawyer. Your lawyer will file the necessary claims and work with the necessary parties towards resolution.