Passenger Claims
Injuries to vehicle passengers who can claim against either driver's insurer regardless of who was at fault.
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£1,000 – £500,000
Typical compensation range
3 years
Limitation period
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About Passenger Claims Claims
Passenger claims arise when a vehicle passenger is injured in a road traffic accident. Passengers are in a strong position because they are almost never at fault for the accident — they can claim against the driver of the vehicle they were in, the other driver, or both.
If the driver of your vehicle was at fault, you claim against their motor insurer. If another driver was at fault, you claim against that driver's insurer. If both drivers share responsibility, both insurers contribute. The passenger's claim is not affected by any contributory negligence between the drivers.
Contributory negligence may reduce a passenger's award if they were not wearing a seatbelt (typically a 15-25% reduction), knew the driver was drunk, or encouraged dangerous driving. However, simply being a passenger in a vehicle does not create any contributory negligence.
Passenger claims cover the same range of injuries as driver claims: whiplash, fractures, soft tissue injuries, spinal injuries, brain injuries, and psychological trauma. Compensation follows standard personal injury guidelines. The limitation period is 3 years from the accident.
Typical Compensation Range
Based on reported settlements and court awards. Individual case values vary significantly.
Limitation Period
3 years
May vary by jurisdiction. Don't wait — time limits apply.
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