Many times people call us and say I was a passenger in a friend’s vehicle or family member’s vehicle what do I do? And we explain to them that many times this person has insurance and this is why we purchase insurance to get people compensated for injuries that they’ve sustained. This doesn’t mean that you’re suing your friend or your family member, it only means that you’re looking to their insurance company to get you compensated for the injuries and damages that you’ve sustained.
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Often times if the friend or family member is involved in an accident, if it’s a motor vehicle accident, and the car is damaged, there’s already an insurance claim. The insurance company is going to have to pay for their property damage. So, the claim is already open and you’re not hurting them in any other way by making a claim so that you’re compensated for the injuries that you’ve sustained.