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As a driver, you are expected to take responsibility for your passengers; from making sure that you stick to the correct number of passengers for your car, to ensuring that all passengers are wearing seatbelts.
The driver whose negligence caused a car accident is responsible for compensating all injured parties. However, a driver is responsible for his passengers after an accident only if his negligence caused the accident. In either case, if you suffered injuries as a passenger, we could help you seek compensation.
In these circumstances, representing both would present a conflict of interest. Where, as here, the passenger may raise a claim against her own driver, the representation of one client will be directly adverse to another.
Car Insurance Normally Follows the Vehicle, Not the Driver Your friend's insurance normally wouldn't cover damage from a crash when they're driving someone else's vehicle. Your insurance generally pays for the friend's crash, as long as your friend is a licensed driver and doesn't regularly borrow your car.
An estimated 200,000 traffic crashes occur annually.
The Road Traffic Act 1988 sets out that all road users have a duty of care to try to avoid accidents by taking reasonable steps. That means that car passengers are owed a duty of care by the driver of the vehicle they're travelling in as well as drivers of other vehicles on the road around them.
If you're injured in someone else's car, the damages you receive may come through your own PIP policy. However, if you're not a car owner or don't have PIP, you may still be covered by: The PIP insurance of the driver whose car you were in. A family member's PIP insurance.
Any driver who drives a vehicle, whether it belongs to them or not, has a responsibility to ensure that they are insured to drive the vehicle, that the vehicle is fully road legal, taxed and MOT'd. If you are stopped by the police it is you as the driver who will face prosecution.