In This Article
When a car crashes with no other vehicle involved, injured passengers often assume there is no one to hold responsible. In reality, a passenger hurt by a negligent driver — even a friend or relative — generally has a valid claim against that driver's insurance, and sometimes against other parties.
The Driver's Liability
If the driver caused the crash through speeding, distraction, fatigue, or impairment, an injured passenger can pursue the driver's liability insurance. The claim is against the policy, not the person, so recovering does not require you to personally bankrupt a loved one — that is precisely what the insurance exists for.
Other Possible Defendants
Single-vehicle crashes can also involve a defective vehicle component, a poorly maintained or hazardous roadway, or another driver who caused the wreck without making contact — a so-called phantom vehicle that may trigger uninsured-motorist coverage. A thorough investigation looks beyond the obvious.
Awkward but Legitimate
Passenger claims against friends or family feel uncomfortable, but they are routine and expected within the insurance system. Declining to file generally just lets the insurer keep money meant to cover your medical bills and lost wages.
Free Passenger-Claim Review
If you were injured as a passenger in a Nevada crash, a free review can explain your options for recovering against the driver's insurance and any other responsible party.