Here's the issue: you were injured at a friend's house or in a car accident with them and while you don't want to sue them for your injuries, but you also need the money.
What do you do?
This scenario is a common one and the answer will make you happy-- you don't have to sue your friend or family member directly. Dealing with a personal injury is not just a physical issue but a financial one as well. Missed work, medical bills and all the other things you need to do to make yourself feel better can add up quickly and should not be something that you are financially responsible for. The majority of personal injury lawsuits against friends or strangers does not take money directly out of their pocket but rather from their (and sometimes your) insurance policies. This is what these policies are for and something we will explain more in-depth during your initial free consultation with us.
Here's a quick look at the two main types of insurance claims:
- First Party Insurance Claims: This is a claim between the insurance company and the policyholder..
- Third Party Insurance Claims: Third party claims are those that involve a third party (in this case, you) filing a claim against someone else's insurance (your friend or family member).
Personal injury and wrongful death insurance claims against family and friends is incredibly common. After all, these are the people that you spend the most time with so it makes sense that they would also be the people you would most likely get into some type of accident with. Whether it is a death or serious personal injury, you do not want to absorb the costs of the accident out of concern for your relationship. This can and should be an open dialogue with your friend or family member about your legal plans and we are always happy to help you structure this conversation with them.
Insurance is complicated and not something that you need to think about following an injury. One call to us is all you need to do to make. We are available 24/7 and will work hard to get you the compensation you deserve following an injury or death. If you are in a situation where you were injured by a friend or family member and want to get some questions answered, give us a call today.