Introduction
What happens if a passenger is injured in an accident? This question often arises, especially for private car, e-hailing, or rental drivers. Responsibility and compensation depend on the type of insurance and the circumstances of the accident.
Immediate action is crucial if an injury occurs: medical checks, police reports, and documentation of the incident. Without these steps, the risk of denied claims increases, and drivers could face legal consequences.
Who Is Responsible?
1. The Driver
The driver is responsible under road laws and insurance policies. If the driver is negligent, the insurance may cover part or all compensation to the passenger.
2. Third-Party / Comprehensive Insurance
- Comprehensive insurance: Usually covers injuries to the driver, passengers, and third parties.
- Third-party insurance only: Covers damages to other vehicles and injuries to third parties, not the driver or own passengers.
3. E-Hailing or Rental Situations
Using the vehicle for e-hailing without extra coverage leaves the driver unprotected.
If the vehicle’s actual use doesn’t match the policy, the insurer can reject the claim.
Tips for Drivers
- Ensure the vehicle has proper insurance coverage, including Personal Accident (PA) for passengers
- Always record passenger information and vehicle condition before the trip
- Report accidents immediately and file a police report if necessary
- Keep all medical records and accident photos for documentation
Conclusion
What happens if a passenger gets injured depends on the accident circumstances, type of insurance, and the driver’s actions. By having the right insurance, reporting accidents promptly, and taking preventive measures, drivers can manage claims efficiently and ensure passengers remain properly protected.
Read More:
How to Choose PA Coverage According to Risk & Vehicle
Claims Rejected When Car Tries to Claim Against a Motorcycle
