If you’ve ever found yourself injured as a passenger in a car accident, you’re likely familiar with the whirlwind of confusion and stress that follows. It is essential to understand your rights and the steps you should take to ensure you’re compensated for your injuries. 

Your Rights as an Injured Passenger 

First off, breathe a sigh of relief knowing that, as an injured passenger, you have several avenues for compensation, regardless of who’s at fault. Whether it’s the driver of the car you were in or another vehicle involved in the accident, as an innocent party, you have a claim against the at-fault driver’s insurance company or multiple insurance companies if more than one driver is at fault. 

A driver talks on the phone while his passenger waits after a car accident.

North Carolina mandates drivers to carry liability insurance to cover injuries in an accident. But what happens if the at-fault driver’s insurance isn’t enough to cover your claim? That’s where Underinsured Motorist (UIM) coverage comes into play. If you have UIM coverage on your personal auto policy or through a family member’s vehicle you reside with, it can cover the difference up to the policy limits. 

Immediate Steps to Take After a Car Accident in Charlotte

After an accident, your priority should be getting medical attention for your injuries. If possible, obtain all drivers’ auto insurance information from the investigating officer. If you’re unable to do so, don’t worry—the officer’s accident report should contain all the necessary details. 

It’s also crucial to avoid giving statements to any insurance companies involved without consulting legal counsel first. Especially in accidents involving multiple at-fault vehicles, insurance companies may attempt to minimize their liability by using your statements against you. 

Considering Legal Action? 

What if the insurance settlement offer doesn’t adequately compensate for your injuries? As a passenger, you have the right to file a personal injury lawsuit against the at-fault drivers. This step is often considered when insurance negotiations stall or when the offer on the table doesn’t cover the full extent of your medical bills and other related expenses. 

The Power of Legal Advice: Get Auger & Auger Accident and Injury Lawyers On Your Side 

Feeling powerless is common among accident victims, but as a passenger, you’re far from it. Knowing your rights is the first step toward ensuring you’re not left bearing the financial burden of an accident you didn’t cause. 

Whether it’s navigating the complexities of insurance claims or considering legal action, consulting with an experienced Charlotte car accident attorney is vital. 

Our team is here to connect you with skilled attorneys who can guide you through the process, ensuring your rights are protected and you receive the compensation you deserve. If you have any legal questions or need assistance, don’t hesitate to reach out. 

Remember, if you’re injured as a passenger in a car accident, you have the right to demand fair compensation. Medical bills, lost wages, and other expenses shouldn’t be your responsibility if you weren’t at fault. 

Let us help you navigate this challenging time and fight for the compensation you deserve. Call Auger & Auger Accident and Injury Lawyers for a free case evaluation.