Search Site
Menu
Common Situation 3 – Driver & Non-Family Passenger

Common Insurance Situations in Mass Auto Accidents

Common Situation 3
Driver (D), the sole owner, has one passenger in his vehicle. Passenger (P), not a resident of D’s household, owns several vehicles. The car goes off the road due to the negligence of D. This is a one-car accident. What coverages are available to P?

Answer to Common Situation 3
As in the prior hypotheticals, the passenger is entitled to Part 5 optional bodily injury coverage. Because the passenger is a guest occupant, there is no resort to Part 1 bodily injury coverage.

As for underinsurance coverage, the passenger is injured while occupying a non-owned motor vehicle. He/she will look to the highest limit on any one policy on his/her household. Keep in mind that the “offset” or “trigger” operates in this context as it does in all underinsurance contexts and therefore, he/she is only entitled to those underinsured dollars, which exceed the bodily injury coverage.

Feinberg & Alban, P.C. fervently protects your rights
  • The Boston firm of Feinberg & Alban, P.C. specializes its practice in the area of personal injury.

    The attorneys serve the entire state of Massachusetts in addition to affiliating with lawyers in other states to handle cases outside of Massachusetts.

  • $7.7 Million Award for Feinberg & Alban Client in Personal Injury Trial

    Boston Attorneys Win Highest Injury Verdict in Massachusetts in 2011 & 2012.

Client Reviews
  • google
    5.0/5.0

    I had a wonderful experience working with Robert Feinberg and Colleen Santoro. I never once had doubts about how my case would be handled. I knew I was in great hands with both of them. I was always informed and felt confident in their ability to re...

    Read more

    Betsy Rose

  • google
    5.0/5.0

    This firm is great! They negotiated a settlement for us after another firm told us we had no case. The whole process was quick and easy. Colleen was so easy to work with and very responsive.

    Read more

    Ellen Carita

  • google
    5.0/5.0

    Highly recommend this firm! Colleen Santora was my sister's attorney for her motor vehicle accident. Colleen was always responsive and answered all our questions. She was transparent and put 100 effort in the case. She very knowledgeable. I would re...

    Read more

    Warda Khurram

  • google
    5.0/5.0

    My wife with our dog crossed the street when was hit by a car. Our attorney Alexis Cahill was professional, knowledgeable and reliable. We had good communications with her all the time while my wife recovered from her injuries. We are completely sati...

    Read more

    michaelvideohere

  • google
    5.0/5.0

    I got chance make car accident (it's not my fault). Before I didn't have any accident like that one. I choose this agency accidentally due to it's location was convenient to my job. I was surprise (good surprise) that agency lawyer (Colleen Santora) ...

    Read more

    Anatoly Gorbatchev

See all reviews
Awards & Affiliations
Contact us

Quick Contact Form