What steps can I take if I was a passenger injured in an accident caused by the driver of the car I was in?

As an injured passenger, you can file a personal injury claim against the at-fault driver's car insurance policy to cover your medical bills, lost wages, and other damages, even if that driver is a friend or family member. Here are the steps you should take: Step 1: Get Immediate Medical Care Your health is the top priority. Seek a full medical evaluation right away, even if you feel your injuries are minor. This creates an official record linking your injuries to the accident, which is crucial for your claim. Follow all doctor-recommended treatment plans. Step 2: Gather Key Information and Documents Collect the driver's name, contact details, and car insurance policy information. If a police report was filed, get the report number. Take photos of your injuries and the accident scene if possible. Keep a detailed file of all medical bills, receipts, and any documentation of lost wages from your employer. Step 3: Open a Claim with the Driver's Insurance Contact the insurance company of the driver who caused the accident. State that you were an injured passenger and wish to open a third-party liability claim. Provide them with the policyholder's name, the policy number, and the date of the accident. Do not give a recorded statement or sign any documents without legal advice. Step 4: Check Your Own Insurance Policy Review your own auto insurance policy for "Medical Payments" (Med-Pay) coverage. Med-Pay can help cover your medical bills regardless of who was at fault and can be used immediately while your main claim is pending. Important details and nuances: Filing a claim against a friend or family member's insurance does not mean you are suing them personally. This is precisely why they pay for liability insurance. The claim is made against their policy, and the insurance company is responsible for payment up to the policy limits. Warnings and limitations: Be aware of California's statute of limitations. Under California Code of Civil Procedure Section 335.1, you generally have two years from the date of the injury to file a lawsuit. Do not accept a quick settlement offer from an insurance company until you understand the full extent of your injuries and future medical needs. This is general information and does not constitute legal advice. For complex situations, or if you face resistance from the insurance company, you should consult with a qualified California attorney.