Injured as a Passenger

If you are a passenger in a vehicle involved in an accident, you may file an injury claim under both (1) the liability insurance coverage of the driver or owner of the car you were in and (2) the coverage of the driver or owner of any other vehicle involved. You cannot collect from both drivers or owners any more than your total claim is worth, but if one driver or owner does not have insurance to cover your total damages, you can make up the rest against another. And you can collect against either the other driver or owner even if he or she was not greatly at fault because as a passenger you weren't at all at fault.