Your insurance company may extend benefits to you after an accident, even when the accident is not your fault or when you are a passenger in another vehicle. It is important to review your insurance policy before calling your insurance company to file a claim for a automobile accident. You may be entitled to the following types of coverage:

• Med Pay: If you elected to obtain Medical Payments coverage under your auto policy, your insurance company will pay up to the limits of the policy for your necessary accident-related medical expenses. This coverage may apply even when you are hurt will a passenger in another vehicle. Check your policy to determine what these limits are.
• Collision: Your auto policy may also repair and/or replace your vehicle even when another driver hits you.
• Rental Reimbursement: You may also be entitled to payment for a rental car expense while your own vehicle is been repaired from an automobile accident.
• UM/UIM: You may have purchased Uninsured/Underinsured Motorists coverage. The uninsured motorist coverage (UM) will pay for your damages in the event that the driver that caused the accident did not have minimum required liability coverage in place. The underinsured coverage (UIM) may pay for your damages in the event that the other driver’s liability coverage limits are not sufficient to cover your damages. This coverage may apply even when you are a passenger in someone else’s vehicle.

You will need an auto accident attorney to review your personal auto insurance policies with you.

As a passenger in a vehicle covered by an auto insurance policy you may be entitled to benefits under the policy of auto insurance covering that vehicle.

• Liability Coverage: If the driver of the vehicle you were a passenger in is at fault for the accident, the liability coverage attached to that policy may be responsible for paying your damages.
• Med-Pay & UM/UIM: As a passenger you may be also entitled to same Med-Pay and UM/UIM benefits as the policyholder.

You will need an auto accident attorney to review the auto insurance policies that cover the vehicle in which you were a passenger in.

The Policy of insurance covering either the at-fault driver or the at-fault vehicle will be responsible for paying for your damages sustained as a result of the accident. These generally fall into two categories.

• Property Damage: Liability Insurance is meant to cover the cost of repairing or replacing your damaged vehicle. Also, available will be damages for the loss of your vehicle while it is being repaired or until a settlement is reached on the property damage if the vehicle is declared a total loss.
• Bodily Injury: This category of damages generally includes payment for your medical expenses, physical injuries, pain and suffering, lost wages, loss of earnings capacity and other economic losses.

You will need an auto accident attorney to review the at faults driver’s auto liability policy.

In the event that you had a health insurance plan in effect at the time of the accident, this coverage may pay for your medical expenses as you continue your medical treatment.

If your injuries prevent you from returning to work after the accident, you may be able to make a claim for either permanent or temporary disability under any disability policies that may have had in effect at the time of the accident

If you were involved in an accident while you were on the job your employer’s worker’s compensation plan may extend benefits for your medical bills and loss of earnings.

You will need an auto accident attorney to review and coordinate the with any worker’s compensation insurance plans.