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Insurance Law/passenger in a car accident


I was passanger in a car accident and the driver was not at fault.and I was told that since I did not live with the driver and I don't have car insurance my self. that at the residence where I live has car insurance is who I am covered by.Is this true please explain.


The policy which SHOULD provide coverage for any injuries you sustained would be the liability policy of the driver that caused the initial wreck. That is the first avenue you should pursue but only if you actually had verifiable injuries.

If the driver in whose car you were riding had "un-insured motorist" coverage on THEIR policy, you may have some coverage there if the other driver had no insurance ... regardless of fault.

I am not real clear on your last statement regarding "being covered by the policy at the place where you live" as that doesn't apply. You were NOT a 'named insured' on that policy so why would you think you should be covered by something you didn't pay for?

Look first for the policy of the driver that caused the wreck as they are required to have liability insurance. That would be your best option.

Hope this helps.

Kevin Hromas
JD, EGA, RPA, PLCS, CPIU, HCRI-R/C, WIND® Umpire/Appraiser
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Kevin Hromas


I am a licensed, executive general adjuster currently holding a Texas resident P&C license (614250), New Mexico non-resident all lines license (248774), Oklahoma non-resident P/F/M license (A299561), Florida non-resident P&C license (E117051) and a National Flood Insurance Program certification (06040100). My areas of expertise involve property and casualty issues in both residential and commercial policies with regards to claims practices and issues. I deal extensively with Lloyd's of London commercial policies and various domestic carriers for residential policies.


After a 20 year career as a General Contractor, I was employed by Allstate Insurance as an adjuster in Texas, holding various postitions within the property claims department. After leaving Allstate, I specialized in handling losses associated with major catastrophes through-out the country. (Hurricanes Isabel, Charlie, Wilma, Katrina, Ike, etc., hail storms, floods.) I am currently retained as an expert by multiple insurance defense firms in Texas for issues in litigation. I am also a certified Umpire for formal appraisals.

Member - Society of Registered Professional Adjusters Fellow - Council on Litigation Management Member - Property and Casualty Association Member - Texas Independent Insurances Adjusters Association Member - National Association of independent Insurance Adjusters Member - Houston Claims Association

Claims Magazine ( and then search 'Kevin Hromas' for a full listing of articles and quotes.),,

JD - University of Houston Law Center - 1992 BA - Southwest Texas State University - 1980 AA - South Plains College - 1977 PLCS - Personal Lines Coverage Specialist

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Certain Underwriters at Lloyd's, London, Fulbright & Jaworski (Law Firm), Bracket & Ellis (Law Firm) Thamm & O'Briant (Law Firm) Sheehy, Ware & Pappas (Law Firm) Walker, Wilcox and Matousek (Law Firm) Financial Guarantee Underwriters

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