If you are a passenger in a car crash in Pennsylvania, you need to take action. This is all the more true if you are injured or suffer damage to your property. There are several things that you can do in the wake of the crash. Doing them will help you to restore your emotional, physical, and financial well-being.
Several insurance options will be available
Car accidents can be an extremely traumatic experience. If you are the passenger, you may be able to make a claim with the insurance policy of the person you were riding with. This depends on who was at fault for the accident. You may also be able to make a claim under your own policy.
Option 1: File a claim with the other driver’s insurance
If the driver of the other vehicle caused the accident, you can file a claim with their insurance carrier. The issue here is that their insurance coverage may be the absolute minimum that is required by state law. The more people that were injured, the less likely their insurance policy can cover all of your expenses.
Option 2: File a claim through your driver’s policy
You may be able to file a claim through the insurance policy of the person who you were riding with when the accident occurred. This will be a viable option if the driver has personal injury protection (PIP) or medical payments coverage (MedPay).
Option 3: File a claim through your own insurance
Your final option may be to file a claim through your own car or health insurance. This is the best option if you have PIP or MedPay on your policy. You can use this combination to get coverage for all of your incoming medical bills.