Tuesday, March 1, 2022

Can a Passenger Be Liable for an Auto Accident?

When you hear about the victims of a car accident, most of the talk is geared towards the driver. It seems there is little information for injured passengers about the steps they should take after an accident and how they can pursue the compensation they deserve.

At Stokes Stemle, LLC, we want the passengers in car accidents in Alabama to know they are just as important as the driver, and they have rights too. Our knowledgeable car accident attorneys can answer any questions a passenger might have about the aftermath of a collision. Contact our office today for your initial case review.

Can I Get Compensation for Being a Passenger in a Car Accident?

A passenger injured in a crash could be eligible to seek compensation for their injuries. The first step towards recovering what you’re owed is to identify who is at fault for the incident and file an injury claim against their insurance.

In most cases, the at-fault individual’s insurer will be responsible for covering the medical expenses of the other parties involved. If the other driver is at fault, you may be able to file a claim with their insurer. If the driver you are traveling with is at fault, their insurance policy may pay for your medical expenses.

If the insurance company fails to offer a reasonable settlement for a passenger in a car accident, the passenger could file a personal injury lawsuit against the at-fault party and seek compensation in court.

Can I Sue If I Was a Passenger in a Car Accident?

A passenger involved in a car accident has the right to sue. The best way for them to pursue compensation for their injuries is through a personal injury claim or lawsuit. However, recovering compensation can be a complicated matter.

If the driver of the other vehicle causes the collision, a passenger could seek compensation from them. Taking legal action can be significantly more complex if the driver the victim was with is at fault, though.

Usually, the passenger will have a relationship with the driver, whether they are a family member, friend, co-worker, or another acquaintance. Because of this personal relationship, the victim might feel guilty for taking legal action, even if the person was directly responsible for causing the crash and their injuries.

There are also other circumstances where the passenger might be injured due to negligence on the part of the driver they are riding with, such as rideshare, taxicab, or bus accidents. They may be able to seek compensation from the driver or the driver’s employer when this happens.

Can a Passenger Be Liable for an Accident?

A passenger is generally not liable for a car accident because the driver is responsible for maintaining control of the vehicle while they are behind the wheel. Negligence of one of the drivers is usually the cause of a wreck. Car accidents caused by passengers aren’t very common, with distractions from passengers only causing about four percent of car accidents.

However, there are some situations where a passenger may be unable to recover compensation in the event of a collision. If a passenger knowingly gets into a car with an intoxicated driver, insurance may not cover the passenger’s medical expenses. In rare cases, a passenger could also be partially accountable for causing an accident if they take control of the vehicle from the driver.

An example of this behavior would be if a passenger suddenly grabs the steering wheel or gear shift. This can also include if a passenger knowingly incapacitates a driver by covering their eyes or interfering with their ability to drive.

What to Do If You’re a Passenger Injured in a Car Accident

As a passenger, you may feel like you have to take a back seat after an accident. But you need to take an active role in protecting your right to seek compensation.

Here’s what you should do if you are a passenger injured in a car accident:

  • Call the police – Make sure that you or someone else reports the accident right away. Police will manage the scene and help clean up while emergency services tend to the injured. A police report can also be vital to an insurance claim or lawsuit down the road.
  • Seek medical attention right away – Do not wait to get medical help. You may think your injuries are minor, but they should be assessed by a medical professional. Medical documentation is crucial if a claim is filed.
  • Document the scene – Drivers should exchange information at the scene, but you need access to this information as well. Write down all vital information from both drivers. Take photographs of the scene and damage to the vehicles.
  • Gather witness information – If there are witnesses on the scene, ask for their contact information. The information they provide can help determine liability.
  • Contact an attorney – Now is the time to contact an experienced car accident attorney for help. Your attorney can manage communication between you and the insurance company, while also investigating the cause of the wreck.
  • Follow through with all medical treatments – Stick to your medical treatment and doctor’s recommendations. Do not deviate from your health care provider’s treatment plan, and keep all follow-up appointments.
  • Do not post on social media – Avoid posting anything on social media while waiting for a resolution to your claim. You want to especially avoid posting information about the accident itself and your injuries.
  • Keep all bills – Hang on to copies of all your medical bills, receipts, and out-of-pocket expenses related to the crash. These documents can help estimate the value of your case.

Talk to Our Personal Injury Lawyers in Montgomery, AL

Being a passenger injured in a car accident is a frightening and often helpless feeling. Take back your control by contacting an experienced Montgomery car accident attorney to discuss your rights and legal options right away.

At Stokes Stemle, LLC, we know how overwhelming it can be for passengers of a car crash to seek the compensation they so desperately need. Our experienced lawyers can answer your questions and help you determine the best course of action for your situation. We’ll be ready to discuss your case during a free consultation when you call us or reach out to us online today.

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What Should I Do if My Car Is Totaled?

In some cases, a vehicle becomes so damaged in a crash that the cost of repairing it exceeds the vehicle’s actual cash value. When this occurs, car insurance companies say the car is a “total loss” or declare the vehicle “totaled.”

Here’s what you need to know if the auto insurance company declares your vehicle a total loss after a Montgomery car accident.

Can You Keep Your Car If It’s Totaled?

If your car is declared totaled but still seems drivable, you may be wondering whether you can keep the car. In most cases, you shouldn’t drive a totaled car after an accident, even if it looks safe. However, if the damage was entirely cosmetic, it may be okay to drive after a thorough inspection by a qualified mechanic.

If you want to keep your vehicle after the insurance company decides it is a total loss, you can take the following steps to push back:

  • Take the vehicle for an independent appraisal. A second opinion from a different mechanic could result in lower repair costs for your vehicle.
  • Negotiate with the insurance company by providing photos and documentation showing that your vehicle is worth more than they are offering.
  • Contact a knowledgeable car accident lawyer who can back up your claim.

Is It Worth Keeping a Totaled Car?

Regardless of any emotional attachment you may have to your car, it’s important to consider whether keeping it is the best financial decision. Even if you’re happy with how much the insurance company offers for your totaled vehicle, you need to compare that amount with any outstanding loans you still have for the car.

For example, if the insurance company offers you $10,000 for a totaled vehicle but you still owe your lender $15,000, you’ll have to pay your lender $5,000 out of pocket after accepting the insurance money. However, if you purchased comprehensive or collision coverage, your policy may pay for the difference. A car accident attorney can help you review your options and decide what’s best for your finances.

What Happens When Your Car Is Totaled and You’re Not At Fault?

Even if the other driver was clearly at fault for the accident that totaled your car, demanding the compensation you deserve is not always so simple. The other party’s insurance company should determine the fair market value of your car, but sometimes they don’t consider all the factors that could maximize its value. The insurer may also owe you for additional costs, such as the expense of having your vehicle towed, that they don’t include in their offer.

Some insurers may also try to pin fault on you to avoid making a payout. This is because Alabama courts follow a doctrine of pure contributory negligence, which bars you from recovering money in a lawsuit if you are even one percent at fault.

If the other driver has just a shred of evidence that you may be to blame for the wreck, you may be out of luck. That’s why it’s so important to work with a knowledgeable attorney who can identify valuable supporting evidence and establish a strong foundation for your case.

How Does the Insurance Company Determine the Value of a Totaled Car?

Auto insurance companies may use different methods to come up with the value of your totaled vehicle. They generally determine the worth of the car’s make, model, and year in today’s market. They should also consider other factors, such as mileage, wear and tear, and upgrades.

If you disagree with the insurance company’s calculations, you can use the following types of evidence to dispute their decision:

  • Details from the insurance company’s research report, which should show whether the vehicles they researched had the same features and specifications as your car
  • Research from Blue Books and online vehicle ads which you can use to calculate a rough estimate of the potential value of cars like yours
  • Evidence that your vehicle has been carefully maintained, such as photos of the vehicle and history of mechanic records

You can work with a car accident lawyer to compile your findings and potentially demand a higher payout from the insurance company.

Talk to a Personal Injury Attorney in Montgomery, AL Today


The personal injury attorneys of Stokes Stemle, LLC can help you seek fair compensation for a totaled vehicle and other losses after a Montgomery car crash. Contact us today to learn more about your legal options in a free initial consultation.

 

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