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When you’re hurt in a crash that was caused by a negligent driver in another vehicle, your next steps will seem straightforward. You’ll collect their contact information and insurance details, then file a compensation claim for your accident-related expenses.
But what if the person who caused the accident is someone you know, such as a friend or family member? That’s the scenario that many people face every day, but it’s not as complicated as it may seem.
It’s important to remember that compensation claims after auto accidents are generally filed against drivers’ insurance policies—not the drivers themselves. That means if you seek compensation for an accident that was caused by someone you know and you win, you won’t be taking money from their pocket. Instead, you’ll collect money from their insurance policies.
You also may be eligible to collect money from your own insurance policy, especially if you have personal injury protection coverage or underinsured/uninsured motorist coverage. Being involved in an accident is bad enough, and you shouldn’t worry about burdening the person who caused it—even if it was a family member. You deserve compensation for what you’ve been through, and insurance policies are designed to help you get the money you need for your medical bills and lost wages.
Unfortunately, filing a claim against the insurance policy of someone you know doesn’t mean you’ll automatically get full compensation. Regardless of who was at fault, insurance companies still want to protect their profits—and that means paying small settlements or denying claims outright.
At Caldwell Wenzel & Asthana, our Alabama auto accident attorneys have years of experience building injury claims for all types of victims—including people who were hurt in crashes caused by loved ones. Call us today for a free consultation.