If you have been injured as a passenger in a motor vehicle accident in Ontario, you may be eligible for financial compensation to cover the associated costs of your injury. As a passenger, you are in no way held liable for an accident. The fault is either on the driver of the car you are in, or the driver of another vehicle involved in the accident. In most cases you will be covered by someone’s insurer.
Passenger Injury Claims
As an injured passenger you may file claims under both:
- The liability insurance coverage of the driver of the car you were in, and
- The coverage of the owner or driver of any other vehicle involved in the collision
You cannot legally collect more money than your total claim from both parties. If one of the drivers does not have enough insurance to cover your claim, you can seek damages from another driver involved in the collision. This is especially important when you suffer from severe injuries that affect your income earning abilities and are associated with high rehabilitation costs.
Injured Family Members
A liability claimed cannot be filed when the passenger is a family member whom lives with the driver. This person is considered an “insured person” and is covered under the driver’s liability insurance. Often an injured passenger is friends with the driver of the vehicle. This can make for an uncomfortable situation. It is important to remember that your claims are strictly based on insurance and liability needs. You are not going after the driver’s personal assets.
If you are the victim of a passenger injury in a motor vehicle accident, it is important to speak with an experienced lawyer to learn about your rights.
For a free consultation with an passenger injury lawyer call us at: