What Should You Do If You’re Involved in a Car Accident as a Passenger?


There’s no such thing as a minor car accident when you’re the passenger. Were you a passenger in a car accident in Iowa or Nebraska? You must take certain steps to protect your rights and ensure you receive any compensation you’re entitled to.

It doesn’t matter if an accident was caused by the person driving the car you were in or another driver’s negligence. If you’re the passenger in a fender bender or a catastrophic auto accident, it’s essential to talk to an auto accident attorney who can answer your questions and help you take any appropriate actions.

Peters Law Firm brings over 100 years of combined industry experience to help you navigate the detailed negotiations with insurance companies and other parties. Our knowledgeable car accident attorneys believe no one should suffer because of someone else’s negligent driving.

Here’s what to do if you’ve been involved in a car accident as a passenger.

What To Do After an Accident

While both drivers typically exchange information at the scene, you should also gather as many details as possible. At a minimum, be sure to get insurance information from all drivers and a copy of the accident report. You can also use your phone to take photographs or record the scene and any damage to all involved vehicles.

If the driver you were in the car with was responsible for the accident and is a close family member or friend, it can be a delicate situation. You might be hesitant to file a claim, but keep in mind any compensation you receive is paid by the insurer, not your friend or family member. You are entitled to full and fair compensation for your injuries.

What You’re Entitled to As a Passenger in a Car Accident

Generally, you make any claims you have as a passenger against either driver’s insurance policy; whose policy you claim against depends on which driver’s at fault. In some cases, you might be required to file a personal injury claim in court against one or both drivers.

Many people wonder if they’re entitled to financial compensation as a passenger. The answer is yes; you have every right to receive compensation, including lost wages and medical expenses. The most important thing to do is take the proper steps immediately after the accident to ensure a smooth claims process.

Filing an Insurance Claim

Both Iowa and Nebraska are comparative negligence states. That means the at-fault driver’s insurance company is required to cover any personal injury or property damages. As a passenger, you do not need to file a claim with your own insurance company. Once liability is established, the insurance company of the responsible driver will pay you. In some cases, when neither driver has insurance coverage (or insufficient coverage), you might be entitled to uninsured or underinsured motorist benefits through your own car insurance.

Medical Records

Even minor car accidents can cause serious injuries, including soft tissue ones like whiplash and other neck injuries. It’s often the case that symptoms do not appear until several days after the accident occurs. That’s why it’s important to see your doctor as soon as possible after a car accident. Keep all medical records to submit with your claim.

Get the Car Accident Legal Advice You Need

Peters Law Firm understands that being involved in a car accident is often an overwhelming experience. If you need a car accident lawyer who’s ready to vigorously represent you and your rights, contact us online today or call us at (712) 328-3157 for a free consultation. If necessary, we’ll help you build the strongest possible case to receive the full and fair compensation you deserve.

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