Can I File a UM Claim If I Was Injured in Another Person's Vehicle?

Yes, in most instances you can still bring an uninsured or underinsured motorist claim even if you were driving someone else's vehicle. As long as you had proper permission to operate the car you can still pursue a claim against your carrier if it has more coverage than the policy governing the car itself. The issue is which has more.

In the aftermath of an automobile or other motor vehicle accident, it can be quite hard to figure out who is responsible for your claims and injuries or even if you are allowed to bring a lawsuit at all. 

As mentioned above, you are entitled to bring suit against an uninsured motorist even if you were operating someone else's vehicle. However, this doesn't answer who you should. To answer that question, look at this list of common places for recovery after this kind of incident:

• The other driver;
• The other driver's employer;
• The other driver's insurance carrier; or
• Your own insurance carrier.

To understand who is liable for your damages, contact our offices. We can help you target the best sources of recovery after an accident with an uninsured driver.