Being involved in a car accident as a passenger can be confusing and overwhelming.

You might wonder how to get compensation for your injuries or who to hold responsible. Unlike drivers, passengers are usually not at fault, but they still have the right to file a claim.

This guide will explain everything you need to know about filing a car accident claim as a passenger, from understanding your rights to dealing with insurance companies and legal options.

If you have questions or need help with your claim, Sutliff & Stout is here to support you.

Factoid About Car Accidents in Texas

Texas Motor Vehicle Deaths and Crashes

Motor vehicle accidents are a serious issue in Texas, with thousands of crashes and deaths every year. The data below gives a clear picture of how often these accidents happen and the impact they have.

Key Facts

Total Crashes: Over 500,000 accidents happen every year in Texas.
Deaths from Car Accidents: About 3,500 people die each year in car accidents.
Motorcycle Deaths: Around 500 people die on motorcycles every year.
Heavy Vehicle Deaths: Nearly 400 deaths involve heavy vehicles each year.
Bus Occupant Deaths: Less than 10 deaths per year involve bus passengers.

Crash Data Table

Statistic	Value
Total Motor Vehicle Crashes	Over 500,000 annually
Deaths from Car Accidents	About 3,500 yearly
Motorcycle Deaths	Around 500 annually
Heavy Vehicle Deaths	Nearly 400 per year
Bus Occupant Deaths	Less than 10 annually
Data Suppression Criteria	Less than 10 cases suppressed
Border Counties Affected	33 counties along the border
Main Data Sources	TxDOT, Texas Vital Statistics
Leading Cause of Death	Car occupants (ICD-10 codes V40-V49)

Understanding Passenger Rights After a Car Accident

Passengers in a car accident have specific rights that protect them, regardless of who caused the crash.

These rights allow you to seek compensation for your injuries, medical expenses, lost wages, and even pain and suffering.

Passenger Rights and Responsibilities

As a passenger, you have the right to file a claim against any driver involved in the accident, whether it’s the driver of the vehicle you were in or another driver who may have been at fault.

Your claim can include compensation for medical bills, lost income, and other related expenses.

You are also responsible for providing accurate information about the accident to insurance companies and should avoid making any false statements.

Legal Protections for Passengers

Passengers are protected by various laws and insurance regulations.

For instance, many states have “no-fault” insurance, which allows passengers to file claims through their own insurance regardless of who is at fault.

There are also state-specific rules regarding how much time you have to file a claim, known as the statute of limitations, which can vary from two to six years.

These legal protections are designed to help passengers recover financially after an accident.

Filing a Claim as a Passenger in a No-Fault State

In no-fault states, passengers can file a claim through their own insurance for medical bills and lost wages, regardless of who caused the accident.

This type of insurance is called Personal Injury Protection (PIP). If your expenses exceed your PIP coverage, you may be able to sue the at-fault driver for additional compensation.

Knowing the limits of your PIP coverage and when to seek additional compensation is key.

Determining Fault and Its Impact on Your Claim

Even though passengers are rarely considered at fault, determining who caused the accident is still important.

Fault can affect which insurance policies will pay your claim and how much compensation you may receive.

The at-fault driver’s insurance should cover most of your expenses, but in some cases, multiple drivers may share responsibility.

This can complicate your claim, as each insurance company may try to pay as little as possible.

The Role of No-Fault Insurance for Passengers

No-fault insurance can be confusing, especially for passengers. In states with no-fault laws, your own insurance—through PIP—covers your medical expenses, even if another driver caused the accident. This helps you get immediate coverage without waiting for fault to be established.

However, PIP doesn’t cover non-economic damages like pain and suffering, which may require a separate claim against the at-fault driver.

Statute of Limitations for Passenger Claims

Each state has a different time limit for filing a car accident claim, known as the statute of limitations.

For passengers, this is typically two to six years, depending on the state.

Failing to file within this time frame can result in losing your right to compensation.

It’s important to act quickly after an accident to ensure all claims are filed on time.

Immediate Steps to Take After the Accident

The moments following a car accident can be chaotic and stressful, but it’s important to remain calm and take specific actions to protect your rights as a passenger.

Knowing what to do immediately after the accident can make a significant difference in the outcome of your claim.

Check for Injuries and Call Emergency Services

The first and most important step is to check for injuries—both your own and those of others involved in the accident.

Even if you feel fine, it’s crucial to get medical help as some injuries, like whiplash or concussions, may not show symptoms right away.

Call 911 to report the accident and request medical assistance.

Emergency responders can assess everyone’s condition and provide necessary treatment.

They will also document the incident, creating an official report that will be useful for your insurance claim.

Gather Information from All Drivers Involved

After a car accident, it’s crucial to collect detailed information from all drivers involved. This information is essential for filing a claim and ensuring that the correct parties are held accountable.

Having the necessary details on hand will make the claims process smoother and help you build a stronger case. Here’s what you need to collect from each driver:

Contact Information
Driver’s License Number
Insurance Information
Vehicle Details
Accident Details

Collecting this information promptly and accurately can make a significant difference in your ability to file a successful claim.

Obtain Contact Details of Witnesses

If there were any witnesses to the accident, ask for their contact information.

Witnesses can provide valuable third-party accounts of the accident, which may support your claim, especially if there is a dispute about who was at fault.

Take down their names, phone numbers, and a brief description of what they saw.

If the witnesses are willing, ask them to provide a written statement or to speak with the police at the scene.

Their testimony can strengthen your case and add credibility to your version of events.

Take Photos of the Accident Scene and Vehicle Damage

Photographs are one of the most powerful pieces of evidence you can collect.

Take pictures of the accident scene, including the position of the vehicles, any skid marks on the road, and surrounding traffic signs or signals.

Also, photograph any visible injuries you have sustained and the damage to all vehicles involved.

These images can serve as compelling evidence when filing your claim and can help refute any false claims made by the other party or their insurance company.

Remember, more detail is always better when it comes to documenting an accident.

File a Police Report and Get a Copy

Always file a police report, regardless of the severity of the accident.

The police report provides an unbiased account of the incident, which is crucial for your claim.

The report typically includes information such as the drivers’ statements, witness accounts, and the officer’s observations.

Request a copy of the report as soon as it’s available, as it will be a key piece of evidence.

Without a police report, insurance companies may challenge your claim, arguing that the accident didn’t happen the way you described.

Seek Medical Evaluation Even If No Immediate Symptoms Are Present

It’s essential to see a doctor immediately after the accident, even if you don’t feel injured.

Some injuries, like internal bleeding or soft tissue damage, may not become apparent until days later.

A prompt medical evaluation will not only protect your health but also document any injuries related to the accident.

This medical record will be important for proving your injuries to the insurance company and ensuring you receive the compensation you need for recovery.

Notify Your Insurance Company About the Accident

Even though you’re a passenger, you should still notify your own insurance company about the accident.

They may provide coverage for your medical expenses and other damages, especially if the drivers involved are uninsured or underinsured.

Reporting the accident promptly ensures that your insurer is aware of the incident and can begin processing your claim.

Failure to notify your insurance company in a timely manner may result in reduced coverage or even a denial of your claim.

Keep a Detailed Record of All Medical Treatments

Maintaining a detailed record of all medical treatments related to the accident is crucial.

Keep copies of medical bills, prescriptions, doctor’s notes, and any other relevant documentation.

This information will support your claim for compensation and provide a clear picture of the extent of your injuries.

If you require ongoing treatment, keep track of all appointments and follow-up care.

This will help you recover the full cost of your medical expenses and demonstrate the impact of the accident on your life.

Document Your Personal Account of the Accident

Write down your personal account of the accident as soon as possible while the details are still fresh in your mind.

Include information such as the time, date, location, weather conditions, and anything you remember about how the accident happened.

Note your actions before, during, and after the crash, as well as any conversations you had with the drivers or witnesses.

This personal account can serve as a valuable reference later on, helping to support your version of events and clarify any details that may be questioned by insurance companies.

Avoid Making Statements to Insurance Adjusters Without Legal Advice

After an accident, you may be contacted by insurance adjusters from the other parties involved.

Be cautious about what you say, as anything you mention could be used against you to reduce or deny your claim. It’s best to speak with a lawyer before providing any statements.

They can guide you on what information to share and what to withhold.

Remember, insurance adjusters are not on your side—they aim to save money for their company.

Speaking to a law firm like Sutliff & Stout before making any statements can protect your rights and help you get the compensation you deserve.

Filing a Claim Against the At-Fault Driver’s Insurance

Filing a claim against the at-fault driver’s insurance can seem like a daunting task, especially when you are recovering from injuries and dealing with the aftermath of an accident.

However, understanding the steps involved can help you approach the process with confidence and increase your chances of securing the compensation you deserve.

How to File a Claim Against the At-Fault Driver’s Insurance

Determine Liability and Fault
Gather Necessary Information
Report the Accident to the At-Fault Driver’s Insurance Company
Provide Documentation for Your Claim
Undergo a Medical Evaluation
Submit a Demand Letter
Negotiate a Settlement
Consider Litigation if Necessary
Review the Settlement Agreement Carefully
Receive Compensation and Close the Claim

Filing a claim against the at-fault driver’s insurance involves several important steps, and each one must be handled carefully to ensure a successful outcome.

Need Help Filing a Claim?

If you’re unsure about how to file a claim or need assistance dealing with insurance companies, Sutliff & Stout can help.

As a trusted Houston car accident lawyer, they can guide you through the entire process and fight for the compensation you deserve.

Call (713) 405-1263 today to discuss your case and protect your rights.

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Hank Stout

Attorney at Sutliff & Stout

Hank Stout co-founded the Sutliff & Stout Injury & Accident Law Firm with a simple goal. Help real people with real problems. From his roots in small-town West Texas, Hank was taught the value of community, hard work, determination, and fairness from a young age. He continues that legacy through his professional life, representing diverse clients across the Lone Star state.