So what happens when you’re involved in an accident as a passenger? Whose insurance coverage kicks in to cover the damages? How are medical bills paid for and by whom? According to Shane Smith, car accident attorney in Fulton County, a combination of your insurance, your driver’s insurance and the driver of the other car’s insurance may be able to contribute to your damages. It all depends on what type of insurance coverage each party has and the extent of the damages done.
Uninsured or underinsured motorist coverage
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If you personally have uninsured motorist coverage (UM) or underinsured motorist coverage (UIM), it will follow you from vehicle to vehicle regardless of whether you are the driver or passenger. If you are involved in a wreck with an uninsured or underinsured driver (meaning they do not have a maximum high enough to cover your damages), this will kick in to help. Even if the driver of your car is at fault, UM or UIM coverage can help you pay for your damages and injuries.
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