Getting injured in a car accident is difficult enough—but when the driver is a friend, it can make the situation more emotionally complicated. You may feel torn between protecting your health and preserving your relationship. However, if you’ve been hurt, you still have the right to seek compensation for your injuries, no matter who was behind the wheel. An experienced personal injury lawyer can help you navigate this delicate situation while focusing on what matters most: your recovery. Our friends at Patterson Bray PLLC explain what kind of things you should do to ensure you are protected, below.
Understanding Your Rights As A Passenger
As a passenger, you are rarely at fault for an accident. Whether your friend caused the crash or another driver did, you are considered an innocent party. That means you may be eligible to file a claim for medical bills, lost income, pain and suffering, and other damages. This claim is typically made against an insurance policy—not against your friend personally. An experienced lawyer can explain how to best handle a personal injury claim with insurance.
People often worry that taking legal action means they’re suing their friend directly, but in most cases, it’s their auto insurance company that pays the claim. That’s why drivers carry liability coverage—to help protect passengers and others in the event of an accident.
Who Is Liable?
Liability in a car accident depends on how the crash happened. If your friend was at fault—whether due to distracted driving, speeding, or another form of negligence—their insurance should cover your injuries. If another driver caused the crash, that driver’s insurance would typically be responsible. And if both drivers share blame, you may be able to file claims with both insurance companies.
A personal injury lawyer can help determine who is legally responsible and which insurance policies apply to your situation. In some cases, multiple claims may be necessary to fully cover your expenses, especially if the injuries are serious.
When Injuries Are Serious
Some injuries, like whiplash, broken bones, or head trauma, may require extensive medical treatment and time away from work. In more severe cases, long-term care or rehabilitation may be necessary. Even if your friend’s insurance covers some expenses, it may not be enough to fully address the financial and emotional toll of the accident.
An experienced lawyer can work with doctors and specialists to calculate the true cost of your recovery and fight for compensation that reflects the full extent of your damages—not just the immediate costs.
Navigating The Emotional Side
It’s completely natural to feel uneasy about filing a claim when a friend is involved. Many people delay or avoid pursuing compensation because they don’t want to create conflict. But it’s important to remember that your friend has insurance for this very reason. You’re not accusing them of wrongdoing—you’re simply taking the steps necessary to protect your own health and financial stability.
A personal injury lawyer can help handle communication in a way that keeps the process professional and focused on the legal and financial aspects, which can reduce personal tension during a challenging time.
The Importance Of Acting Quickly
Like all personal injury cases, there are time limits for filing a claim—known as statutes of limitations. These vary by state, so it’s important not to wait too long. If you’re injured, seek medical attention immediately and speak with a lawyer as soon as you’re able. Acting early also makes it easier to gather evidence and build a stronger case.
Getting injured while riding with a friend can be an emotional and confusing experience, but your health and recovery should always come first. A personal injury lawyer can help guide you through the process with care, professionalism, and a clear focus on helping you get the support you need.