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.

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Infectious Compassion

Give a Stranger Some Free Hope!

I am definitely no newbie to this; doctors, hospitals, medications, therapies, insurance, paperwork, and the waiting. The dreaded waiting. Often the cure is worse than the disease, but the wait amplifies the symptoms of said disease. 

Like I said, I am no newbie, but I also am not an expertise. If I were an expertise I wouldn’t need the doctors, and all of that goes with being ill. But one might come to believe that after 26 years, one would at least develop a thicker skin. I try to imagine how a great spiritual leader might advise me when I fall through a crack in our system. I ask myself what lesson can be learned, for my future, and the avoidance of other cracks. I even try to learn from others who have fallen, and pass forward any pertinent knowledge I have accumulated. 

Knowledge is power, unless you’re sick. Money is power, unless you’re sick. Knowledge and money give the sick more options, but sick is still sick. Dying is still dying. Death is still death. 

With all of my knowledge, all of my wants, all of my needs, and all of my wishes, only one thing has been a constant in dealing, coping, and even healing. It is actually very basic, but often the most elusive. A placebo of sorts, amazingly it is still in short supply, but high demand. 

One cannot bottle it, market it, sell it, or cure the sick with it. But it is the most contagious agent I have ever been exposed to. A touch, a smile, a hopeful gesture or word, and I am instantly infected. Once I am infected my only desire is to infect all around me. 

So here is the big secret, the elusive placebo, the virus I covet more than any cure some specialist, drug rep, hospital, or guru peddles: Compassion. 

Devastating news is just that much easier to take in when compassion is bound to it. I accepted a long time back that I would either die from my diagnoses, or with them. No cure in sight, just a hindered life. Even though I don’t like my illnesses, I’m okay with this, I am okay with me, who I am, who I turned out to be. 

We humans don’t have to like disease, or even accept it, in us or others. But could we at least show a little compassion? For a few seconds? A fake smile? Something? 

The next time you are having a wonderful day, think back to a day that was the exact opposite. Now, the stranger next to you? That just might describe their day. Would you have liked a miniscule amount of compassion on the day you remember? Might a slight exposure of infectious happiness have helped you? 

Commit a random act of kindness and infect a stranger with some compassion! Pass it on! 

  

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With The New Year Already Gone, How Can We Improve Ourselves?

Its Never Too Late To Make A Commitment To Making Yourself Better

As January begins, people always talk about how their news years resolution never work out. Most of the time, they are right. But finding a good balanced resolution can be key. The resolution shouldn't be impossible but it also should be able to challenge you and prove to yourself that anything is possible. Here are 3 resolutions that I think all of us should begin a February as a way to make ourselves the best people.

1. Being kind to those around us

This one can be quite tough. Sometimes we just have those moments where nothing is seeming to go right and there is only a few people to blame. Overcome those emotions of anger or hatred and instead focus on improving yourself. If you got yourself into the situation, you are more that likely to get yourself out of it. This will not only improve your image to that person who you know, but also to others who may be trying to get to know you better.

2. Don't be Lazy

Not gonna lie, this is one of the hardest resolutions for people to follow. A long hard day at work or at school can often be the breaking point for people and might force them to stop doing what is necessary. For students, it might be putting in the extra work or in my case, going downstairs to get something. Being lazy is a problem for all of us and I think the best way to fix it is to start thinking of ways to keep this resolution.

3. Keep a Positive attitude

When times are good, a positive attitude is easy to keep. But as obstacles cloud our path, our negativity grows more and eventually can't be stopped. Being one of the biggest pessimist I know, keeping a happy attitude can change more than just in our own personal lives. A smile or a laugh is all it takes to brighten up someones day. Remember if you are going through a hard time, someone else also is. Showing them a sign of faith and belief in them can give them the final push to overcome their conflict.

These three resolutions are meant to help us make 2018 a year full of laughs, memories, and improve on 2017. Each of these commitments to improving ourselves will also affect others around us. Good luck keeping these resolutions.

Cover Image Credit: Flickr

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