If you have suffered injuries as a result of negligent driving, you are entitled to make a claim. Some people are hesitant to claim against a friend or family member because they feel it is morally wrong. When insurance companies determine what to charge for car insurance they factor in the risk of a passenger being injured in your car. They don't exclude friends and family members. That means your friends and family members have been paying car insurance for a long time based partly on the risk that you might be hurt riding as a passenger in their car. If you decide not to make a claim against a friend or family member for that reason you are only benefitting the insurance company.