In 2020, passengers accounted for almost 16 percent of car crash fatalities and more than 23 percent of car crash injuries throughout Michigan. Many passenger injuries happen in multi-vehicle accidents, but a large number also happen in single-car accidents, like a crash earlier this month in Grand Rapids in which a driver collided with a pole and two passengers suffered serious injuries. The circumstances surrounding passenger injuries can sometimes make it complicated for victims to recover compensation, but it is possible with the help of an experienced personal injury attorney.
Sources of Compensation for Injured Passengers
In most states, the first source of compensation for car accident injury victims is the at-fault driver’s liability insurance. However, in Michigan, injury victims must first look to compensation through their own no-fault personal injury protection (PIP) insurance, which is required by law in all car insurance policies throughout the state. Though it may seem counterintuitive, the most reliable source of compensation for injured passengers is often their own car insurance coverage, rather than the coverage of any of the drivers involved in the collision.
Michigan PIP coverage provides compensation for a car crash victim’s medical expenses and lost wages. If an injured passenger does not have their own PIP coverage, they may still be covered under the policy of a spouse, a parent, or another relative. If they have no access to PIP coverage of any kind, they may be able to recover through the Michigan Assigned Claims Plan.
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