Another possible issue appears when multiple people are hurt in a crash. For example, suppose a car carrying three people is rear-ended. All three people were hurt and filed claims with the vehicle’s insurance carrier that caused the wreck. If the total value of their claims is more than the insurance coverage, the passengers might not get the entire value of their claims because they have to take their funds from the same pot. If the injured passengers can’t agree on how much they should get, the driver’s insurer likely won’t settle with any of them. The passengers will then have to file a car accident lawsuit and let a judge or jury determine how much money they deserve.