If you are a passenger who is injured in a car accident, there are several ways that you might recover the costs of medical expenses. In general, insurance will pay at least some of these costs, but how you approach it varies depending on who is at fault and what kind of insurance is available. Connecticut requires drivers to carry bodily injury liability of at least $50,000 per accident and $25,000 per person. It also requires the same amount of uninsured or underinsured motorist coverage.
If the other driver is at fault, you can file through their bodily liability insurance. However, the limits mean that you may not get enough to cover the cost of your injuries, particularly if the injuries are severe or multiple people are injured. It can also be difficult to get the other driver’s insurance company to pay. Another option is the insurance company of the driver whose car you were a passenger in. However, if the driver did not carry personal injury protection or medical payments coverage, which are not required in Connecticut, you may have to go through their liability insurance. If they were at fault, their rates may go up if you pursue this route. You could also go through both the other driver’s and your driver’s insurance.
Finally, there is the option to use your own insurance. If you have PIP or MedPay, it might cover at least a portion of your bills even from car accidents in other vehicles. Your health insurance might also cover it.
You may want to consult an attorney if you are involved in a motor vehicle accident, whether or not you are the driver and whether or not you are at fault. Getting compensation to cover your expenses can be complex, and an attorney might be able to either work with the insurance companies on your behalf or press ahead with a lawsuit if necessary. Issues that could arise include questions about who is at fault and whether there was a delay between the accident and the onset of some symptoms.