I was a passenger in a head-on car accident last year and no one wishes to help me settle my claim. What can I do?

As a passenger, you're in a stronger position than you might realize. You weren't driving either car, so fault disputes between the two drivers generally don't affect your right to recover. You can pursue a claim against the driver (or drivers) who caused the crash, and if it's unclear who was at fault, you can often file against both insurance policies. If either driver was uninsured or underinsured, look at your own auto policy (or that of a relative you live with) for uninsured/underinsured motorist coverage — many people don't realize this applies even when they weren't driving.

If insurers aren't cooperating a year later, that's usually a sign they're hoping you'll give up or run out of time. In Texas, you generally have two years from the date of the crash to file a lawsuit, so don't wait much longer. An attorney can put pressure on the insurers, gather the records needed to prove your damages, and file suit if a fair settlement doesn't materialize. You can learn more about passenger rights in Texas at versustexas.com/personal-injury/car-accident-passenger-lawyer/