Underinsured Motorist Injures a Passenger

Watch this video about when an underinsured motorist injures a passenger in Boise, ID. Then call Hepworth Holzer for a free consultation.

Question:

What happens if another driver injures a passenger in my car but doesn’t have insurance?

Answer:

Underinsured Motorist Injures a Passenger What happens when an at-fault driver injures somebody who is a passenger in your vehicle? In other words, not injuring you but injuring the passenger in the vehicle and that driver that was at fault either doesn’t have any or doesn’t have enough insurance to cover the passenger’s claim? The passenger does have the right, of course, to file a lawsuit or a claim against the at-fault driver for whatever insurance monies they have, and they have the right to at least seek to recover all damages that the value of the claim is worth against that at-fault driver, assuming they have the financial wherewithal to pay it all off over and above their insurance limits. Unfortunately, most people that have a small amount of insurance also do not have the financial ability to cover the claim. The passenger has an absolute right to sue the other driver, just like you as a driver would have against the at-fault driver.

Also, the passenger in your vehicle is entitled to be covered under your policy, whether you have underinsured motorist coverage or uninsured motorist coverage. Your passenger has a right to seek recovery under those benefits of the insurance policy. Your coverage extends to not only you but all those that are traveling with you. That passenger might have their own policy for uninsured or underinsured motorist coverage for which they can seek to recover. The passenger is not without legal avenues to pursue.

There are some troubled waters, of course, that the passenger will face. It’s not easy to deal with these insurance companies directly or this adverse driver who was at fault. If a passenger is in such a situation where they’re injured, they may even be in a situation where they need to make a claim directly against you, as the driver, if there’s any claim that you were at fault. If such a claim exists for a passenger, if they’re injured, it requires someone who has the trial experience of having previously successfully pursued such claims. They’re a little convoluted, they’re pretty much almost impossible to do on your own, and so it requires the best, most experienced lawyer that you could find.

Our law firm has been handling such claims successfully so for over 50 years, and we do have that experience to bring to the table, which is what you need on your side because the other side is definitely going to have lawyers with that experience. If you have such a claim, please feel free to call any of the lawyers at my firm because we all do the same type of work and we all work very, very closely together.


Were you injured by a negligent motorist in Boise and have questions about when an underinsured motorist injures a passenger? Contact our experienced Boise Uninsured and Underinsured Motorist Lawyers at Hepworth Holzer today for a free consultation and case evaluation.

We are committed to helping individuals and families throughout Idaho navigate the world of personal injury litigation as quickly and efficiently as possible. Let us get results for you and your family.

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