The term “insured” refers to someone who is paying for insurance premiums and has a policy with an insurance company. This term is easier to use than “at fault party” or “driver”. This is because in collisions there are often more than one driver, and because in insured driver may or may not be at-fault. (It’s not necessarily to use)
So Who All Can Be Insured?
Typically the person who pays for the insurance policy is the insured driver. However, this is not always the case. Imagine someone having an insurance policy that covers a car used by the whole family. In this case, the insured could include all of the following:
- Anyone who’s name is listed as the owner of the vehicle
- Anyone who drives the car with the owners permission
- Children who drive the car with permission
- Anyone who lives in the same household and are passengers during a car crash
- Any other family members covered under the policy
- Passengers of the insured driver.
With the addition of these people who may be able to get coverage from an insurance policy, a more accurate definition of someone who is “insured” would be anyone covered under an insurance policy. Other definitions may indicate it is anyone who gets compensation for a loss. This definition isn’t quite accurate however and may be misleading. This is because the insured person doesn’t always receive money after a loss. In fact, if they were at-fault for the accident, they are instead responsible to cover the costs of the other drivers’ damages.
What Does This Mean For My Auto Accident Case?
It is the obligation of the at-fault driver to pay for the damages caused by their negligence. If two or more parties are at-fault, then they will each cover the costs according to their comparative negligence. This means that the victim of an auto accident is entitled to compensation from the insured driver at–fault for the accident. In reality however, this compensation typically comes from the insurance company who holds issues the insurance policy with for the at-fault driver. This gives the victim the benefits of the insured driver since they are liable to cover the victims damages.
Determining who is at fault in an auto accident is often a frustrating and difficult fight however. Insurance companies won’t admit liability of their clients easily, not without a battle. You shouldn’t have to deal with this fight alone! At Premier Law Group, our expert team of auto accident attorneys knows the tricks adjusters use against people. We have helped hundreds of people in and around the Seattle, Bellevue, Renton, and Federal Way area, and we can help you too. We will deal with the adjusters for you, so you can focus on getting better! Give us a call for a FREE consultation at 206-880-7416.