Passengers rarely cause a collision, but they are often seriously hurt in one. Whether you were riding with a friend, a family member or a rideshare driver, you may have claims against more than one insurer.
As a passenger you can usually claim accident benefits, and you may have a claim for damages against whichever driver caused the collision. That can include the driver of the vehicle you were in. Many passengers hesitate to claim because they do not want to sue a friend or relative. In practice, the claim is made against that driver’s insurance policy, and the insurer, not your friend, deals with it.
Accident benefits are usually paid by the insurer of the vehicle you were in, or by your own policy if you have one, depending on the circumstances. A claim for damages is made against the at-fault driver’s insurer. If both drivers were partly at fault, both insurers may be involved. We identify every policy that may respond.
When several people in the same vehicle are injured, each person’s claim is separate, and each injured person can be represented. If you and a family member or partner were both hurt, tell us at the consultation so we can explain how the claims will be handled.
We review the collision, who was driving and which policies apply.
We make sure your accident benefits are claimed and your treatment is documented.
We notify the responsible insurers and build the evidence on your injuries and losses.
We negotiate a settlement or pursue the claim in court if needed.
The claim is made against the driver’s insurance, and the insurer handles it. A lawsuit names the driver formally, but the insurer defends it and pays any settlement up to the policy limits.
Commercial vehicles often have different insurance arrangements. We identify which policies apply.
Yes. For collisions on or after January 1, 2027, the right to sue will be limited under Alberta’s new Care-First model. Read more.
Book a consultation online, or call us Monday to Friday, 9:00 a.m. to 5:00 p.m.
587-393-3958Request a consultationBook a consultation online, or call us at 587-393-3958, Monday to Friday, 9:00 a.m. to 5:00 p.m.
The information on this page is general information, not legal advice, and may not reflect recent changes in the law. Contacting UMPC Law does not create a lawyer–client relationship.
UMPC Law is the trade name of Usman Mahmood Professional Corporation, a law practice in Northeast Calgary representing clients in immigration, motor vehicle accident, criminal and family matters.
Suite 210, 3132 26 Street NE
Calgary, Alberta T1Y 6Z1
587-393-3958
Fax 587-393-3960
info@umpclaw.ca
Monday to Friday
9:00 a.m. to 5:00 p.m.
The information on this website is general information, not legal advice. Contacting UMPC Law does not create a lawyer–client relationship. Limitation periods and deadlines can be short; get advice promptly.
© 2026 UMPC Law. All rights reserved.Privacy PolicyLegal Disclaimer
