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To bring in a personal injury claim, you don’t have to be the driver of a motor vehicle. Oftentimes, our clients are the passengers in the vehicle. They may have questions as to who they can bring their claim against. First, if it is a car accident, you can bring a claim against your own insurance company or the driver’s insurance company, if they are separate. If it is a two car accident or more, you can bring a claim against your own insurance company or the driver’s insurance company, if they are separate, and the opposing party in the other vehicle. One of the good things about being a passenger is that you can use two different Personal Injury Protection (PIP) policies. PIP pays your medical bills, up to the coverage limit, and up to 80% of your lost wages. You can collect PIP money from your insurance company and from the insurance company of the driver of the vehicle in which you occupied. This qualifies if you choose to have that type of coverage on your policy, and the other party does not get a credit for any PIP monies that you have received. Another question passengers in an incident may have is about how much they collect from the driver’s insurance company of the vehicle they occupy. One thing you want to be careful of is if you are related to the driver of the vehicle that you occupy. In this case, something called “The Family Member Exclusion” applies. Be sure to look at the policy language in the driver’s insurance policy. Some exclusions may prevent you from recovering, or may minimize the amount allowable under Texas Law.