Yes. If you have been injured in an accident, and a family member is at fault for the accident, then you will need to make a claim against your family member’s insurance company. The insurer will then step into your family member’s shoes and handle the claim. As an example, say Mom is driving Daughter to school. On the way to school, Mom is texting and runs a red light. John T-bones Mom and Daughter. Daughter is injured in the accident. Mom has automobile insurance. Daughter can make an insurance claim against Mom’s automobile insurance company for her injuries.