Posted on Sep 06, 2023

In a devastating turn of events on September 4, 2023, a young man from Winter Haven lost his life in an early morning collision at the boundary of Polk County. Local authorities confirmed that they received an emergency call around 12:42 a.m., alerting them to the incident on Commonwealth Avenue North, just past Green Pond Road in Polk City.

The driver, identified as 26-year-old Cameron Gumble, was reportedly driving at an excessive speed in his blue 2017 Hyundai Elantra. Investigators noted that Gumble attempted to switch to the southbound lanes for reasons currently undisclosed, leading to the unfortunate incident.

Subsequent to losing control, Gumble's vehicle veered off the road into an adjacent grassy area, ultimately colliding with a pine tree. Law enforcement emphasized that Gumble was not wearing a seatbelt at the time, which resulted in his being ejected from the car upon impact.

Authorities confirmed that Gumble was pronounced dead at the site of the collision.

In contrast, the passenger in the vehicle, Austin Roberts, 24, had been wearing a seatbelt. Fortunately, Roberts suffered only minor injuries and was promptly transported to a nearby medical facility for treatment, according to official reports.

Can an Injured Passenger Seek Damages Against the Driver's Insurance?

Navigating the complexities of auto insurance can be challenging, especially if you've been injured as a passenger in a car accident. The question often arises: can you, the injured passenger, seek damages against the driver's insurance policy?

Understanding Liability and Insurance Policies

Firstly, it's crucial to understand the concept of liability and how it relates to insurance policies. In general, if a driver is at fault for an accident, their insurance policy is responsible for covering the damages. This includes both property damages and personal injury damages for any other party involved.

Your Right to Claim as a Passenger

As a passenger, you have the right to file a claim against the driver's insurance policy if you have been injured due to the driver's negligence. Most states operate under a system where the driver who is found to be at fault is responsible for the injuries and damages sustained in the accident. Therefore, if you are a passenger in a vehicle where the driver is at fault, you can file a claim for compensation for your medical expenses, lost wages, and pain and suffering.

Procedures for Filing a Claim

elements of an auto accident lawsuit infographicTo initiate a claim, you'll typically need to follow these steps:

  • Notify the Driver: Inform the driver that you intend to file a claim against their insurance policy.
  • Collect Evidence: Obtain copies of police reports, medical records, and any other relevant documents that will support your claim.
  • Contact the Insurance Company: You or your legal representative should get in touch with the insurance company to formally initiate the claim.
  • Legal Consultation: Given the complexities involved, consulting with an experienced personal injury attorney is often advisable.

Complications to Consider

While it might seem straightforward to file a claim, there are complications to be aware of:

  • Policy Limits: Each insurance policy has a maximum amount that it will cover. If there are multiple claimants, the policy might not be sufficient to cover everyone's damages.
  • Contributory Negligence: In some jurisdictions, if you are found to have contributed to your injuries (for example, by not wearing a seatbelt), your claim amount may be reduced.


To sum up, yes, you can seek damages against the driver's insurance policy if you've been injured as a passenger due to the driver's negligence. However, the path to compensation is not always straightforward, and legal advice is often required to navigate the complexities.

It's important to consult with a legal expert who can guide you through the process, ensuring you receive the compensation you are entitled to.