When in a car accident, there are various problems that one has to deal with: the damage done to their car, the damage done to the other person's car, damage done to yourself, and damage done to passengers. But what if you are the passenger that was hurt? What do you do if you don't even own a car or have car insurance? What do you do? The answer is: you call the Coye Law Firm to deal with the legal issues so you can take care of yourself and the others injured in the crash.

Florida Car Insurance Requirements

Car insurance varies from state to state. Florida uses the No-Fault Law, which is designed to protect insured drivers regardless of who is at fault. The insurance law requires a minimum of $10,000 for property damage liability and $10,000 in personal injury protection

When a passenger is injured while in a car accident, regardless of who is at fault, they may have a right to file a claim with their companion driver's insurance company. If the passenger owns their own car or lives with an adult relative who owns a car, then their personal injury protection coverage will cover their own injuries. If not, then they can file a claim under the insurance policy that insures the car they were riding in. In some circumstances, the passenger can file a claim for benefits from the at-fault driver's insurance company. If these injuries were to occur, you should contact the Coye Law Firm to assist in filling your claim against the insurance carrier. 

Passenger Exclusions

There are some exclusions when it comes to passengers claiming benefits from another person's personal injury protection coverage. If the passenger:
  • Currently has a licensed vehicle
  • Uses a car without permission
  • Contributed to the injury, such as causing harm to themselves purposely, while committing a felony, by using a car of someone living in your household and not insured under their policy
Overall, there are many ins and outs of filing an insurance claim. There are also many questions you have and answers that you need. With all the stress already put on your from the actual accident, let the Coye Law Firm assist in the legal issues involving your crash and any further questions you have. 

Frequently Asked Questions

Q: What happens if I was injured in a car accident as a passenger and I don't have insurance?
A: If you were injured and don't have any type of personal injury insurance, you may file a claim against the driver's insurance company who you were riding in the car with. 

Q: What happens if I was injured in a car accident and I have my own personal injury insurance but it's not enough to cover my injuries?
A: If you were injured and your insurance will cover some but not all of the medical costs, you can then file a claim for bodily injury benefits from the at-fault driver. If those benefits are not available, then you may be able to get benefits under the uninsured/underinsured motorist coverage on the policy of the person you were driving with. 

Q: What if I was injured in a car accident and I don't have my own insurance but I live with a relative who has a vehicle?
A: If you live with an adult relative that has a Florida registered vehicle, then you may be covered under their personal injury protection coverage. 

Q: What if I was injured in a car accident and my spouse was driving and our insurance has a family exclusion?
A: As Florida is a state which does not allow for spousal immunity you may be able to proceed with litigation against your spouse or your insurance company, depending on your circumstances. 

Call 407.648.4940 or contact Coye Law Firm today for a free consultation about your case.

The expert injury attorneys at Coye Law Firm are experienced with Florida, New York, Michigan, and District of Columbia law and are here to help the injured.

If you'd like to learn more about injury law and your rights, read my book, Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury

From this book you will learn… 

  1. The ONE THING you must do within 14 days of your accident (page 42)
  2. The two most important factors in determining case value (page 10)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (page 65)
  5. Why you should not trust the insurance company’s repair shop (page 72)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 86)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 109)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

Click here to receive your FREE copy now.