Does a passenger in car accident have to file claim with their own insurance company?

In most cases, a passenger injured in a car accident does not have to file a claim with their own insurance company. Instead, they can usually file a claim with the insurance company of the at-fault driver. This is because most states follow a "fault" system for car accidents, which means that the driver who caused the accident is responsible for paying for the damages caused.

There are some exceptions to this rule. For example, if the passenger is related to the at-fault driver, they may be required to file a claim with their own insurance company. Additionally, some states have laws that allow passengers to file a claim with their own insurance company if the at-fault driver is uninsured or underinsured.

If you are a passenger in a car accident, it is important to speak with an attorney to learn more about your rights and options. They can help you determine who is liable for your injuries and file the necessary claims to get the compensation you deserve.