3 Things to Do if You're in a Car Accident as a Passenger

3 Things to Do if You're in a Car Accident as a Passenger

You were with your friend, accidents happen and it's not uncommon to feel like you're betraying your friend by taking any form of legal action

You're riding in the car with your good friend. You're both jamming out to the latest Bruno Mars remix, and all of a sudden, you hear the tires screeching. Your head bounces forward, the airbags deploy and the rest of the events that follow seem like a complete blur.

Motor vehicle accidents are scary.

It takes a split second for an accident to occur. And as a passenger, it can often feel "wrong" to pursue damages. You were with your friend, accidents happen and it's not uncommon to feel like you're betraying your friend by taking any form of legal action.

1. Write Down the Events Leading to the Accident

Insurance companies will ask for your story. "What happened leading up to the accident?" And this question might be asked days later, or longer. It's hard enough for people to remember what they had for breakfast.

Trying to remember all of the important details leading up to an accident is difficult.

I recommend taking the time to write down your story to have a complete, thorough story to follow. It's important to have your story straight because one minor change from your original story will be used against you.

"Motor vehicle accidents including car accidents, motorcycle accidents and truck accidents are the most common type of personal injury claim. These claims are typically based on the theory of negligence," states Ankin Law Office LLC.

If you forget a small detail of an accident, this can lead to not being able to prove negligence.

2. File a Claim Against the Driver's Insurance

This is where a lot of passengers start to think twice about filing a claim. When it comes to insurance, there's a reason the driver pays: accidents. If the driver of the vehicle you were riding in was at-fault for the accident, you'll need to file a claim against his or her insurance policy.

Your friend's insurance will include liability, which will pay for:

  • Lost wages
  • Pain and suffering
  • Medical expenses

If the other driver is at-fault, you'll want to make a claim against his or her insurance. This is why you must call the police following an accident. A police report will provide you with all of the information you need to file a claim.

But there is one time when a claim may be difficult to file: the driver is related to you.

Insurance companies may not provide coverage in the event that the passenger is related to the driver.

3. File a Claim Against Your Own Insurance

Passengers that have their own car insurance may be able to file a claim against their own insurance. This is a less-obvious choice, but you may be able to file a claim on your own insurance if you have MedPay or PIP.

This may make your own rates go up, and there are obvious policy limits to consider.

PIP and MedPay are usually additional parts of a policy, so you'll need to add it to your policy. If you have health insurance, you can often use your own health insurance to cover your medical bills.

Always try to exhaust your auto benefits before using your health insurance to cover medical bills.

There's also the option of using your uninsured motorist insurance. Statistics show that 1-in-7 motorists in the United States are uninsured. If your friend or the opposing driver are uninsured, your policy's uninsured motorist insurance can help.

Popular Right Now

Everything You Need To Know About BANG Energy Drinks

Say goodbye to your favorite pre-workout drink.

BANG energy drinks from VPX Sports are the hottest new products for athletes everywhere. On every can, you'll find their catchphrase "Potent Brain & Body Fuel" and it gives you just that. Clean energy, laser-sharp focus, and no sugar induced crashes are just a few of the reasons these bad boys are flying off the shelves faster than retailers can keep them stocked. Haven't heard of them? Sound too good to be true? Let me answer your questions.

What is it? It's an energy drink that's kind of like your typical Red Bull or Monster. It's a perfect substitution for pre-workout supplements or coffee.

Who's it meant for? Anyone! A better question to ask is, "Who isn't this drink meant for?" On the can, you'll find a recommendation for no one under the age of 18 to consume the drink. You also may want to steer clear of it if you're sensitive to stimulants like caffeine.

What's in it? BANG energy drinks contain zero calories, zero carbohydrates, and zero sugar. But what you can find are BCAA's, CoQ10, creatine, and copious amounts of caffeine. These are things athletes often take as supplements.

What are BCAA's? BCAA's are Branched Chain Amino Acids. They are known to stimulate protein synthesis, increase muscle function, decrease your soreness after a workout, and even aid in repairing damaged muscles.

What's CoQ10? Coenzyme Q10 is found in the mitochondria of your cells and sparks energy production. It helps produce energy your body needs for cell growth and maintenance. People often take this as a dietary supplement when they feel tired or lethargic.

What's super creatine? Creatine does a great job in enhancing athletic performance by aiding growth of lean body mass (AKA muscle). When you take creatine orally, the amount in your muscles increase and helps regenerate ATP more efficiently. According to the nutrition label, this so-called "super" creatine is bonded to Leucine to make Creatyl-L-Leucine. On SupplementReviews.com, a VPX Sports representative allegedly said the following about the Super Creatine in the drink:

"The creatine in there is actually something very special...it is the world's only water stable creatine. It is Creatine-Leucine peptide. Think of this...if you mix creatine in water, it sinks and if you mix leucine in water, it floats....if you combine the two into a peptide, it creates a water soluble and water-stable form of creatine. It also has a fatty acid chain that makes it easier to cross the blood brain barrier. The focus of the super creatine is not for muscle function, but for cognition...by combining this form of creatine with caffeine, it works synergistically for mental focus."

How much caffeine is in one can? In one can of BANG, you'll be blessed with 300mg of caffeine. This is the equivalent to over three cups of coffee.

Is that even safe? Yeah, it is. In order for the caffeine in the energy drink to be lethal at any capacity, I would have to drink 30.7 cans.

So, what are the downsides? There are two things that come to mind. One is that consumers have no idea how much BCAA's, CoQ10, or creatine is actually in the drink. It could very likely be trace amounts too small to do anything beneficial. Two, BANG energy drinks do not go through the FDA approval process.

Is it really that good? Well, out of 113 reviews of the product on Bodybuilding.com, there's an average 9.6 overall rating. Most reviews comment on the quality of the energy, the cognitive focus, and the non-existent crash once the drink wears off.

What kind of flavors can I get? There are currently eight BANG energy drink flavors on the market: Black Cherry Vanilla, Cotton Candy, Sour Heads, Star Blast, Blue Razz, Champagne Cola, Power Punch, and Lemon Drop.

Where can I buy BANG energy drinks? You can find BANG energy drinks at Amazon, your local GNC or Vitamin Shoppe retailers, Bodybuilding.com, VPX Sports' website, some gas stations, and privately owned retailers.

How expensive are they? This depends on where you make your purchase. The cheapest place to purchase your BANG energy drinks is at Bodybuilding.com for about $2.00 per can. You can find similar prices on Amazon and at your local retailers. The energy drinks are most expensive through the VPX website where you'll pay about $2.75 per can.

How does BANG compare to other energy drinks? I'll give you some data on nutrition facts and you can make your decisions based on that:

16 oz. BANG: 300mg caffeine, 0g carbohydrates, 0g sugar.

16 oz. Monster Energy (regular): 160mg caffeine, 54g carbohydrates, 54g sugar

16 oz. Red Bull (regular): 160mg caffeine, 56g carbohydrates, 56g sugar

16 oz. Rockstar (regular): 144g caffeine, 54g carbohydrates, 54g sugar

Cover Image Credit: Youtube

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