Are injuries to passengers in my car covered by my insurance
Question anybody? Last question. Go right ahead.
Oh, he’s coming up. Good. Here you go.
Ok, let’s say we got into an accident, right. It was the other guy’s fault, but you’re with a passenger. That passenger is a friend of yours, but they don’t carry health insurance. How’s the claim gonna actually help them out to be covered – of their hospital bill and everything like that?
Ok, so you’re saying you’re the driver and the passenger is your friend, and he gets hurt.
We both got hurt by another car.
Oh, so it’s the other car’s fault. Ok.
Ok. So you’re driving and you have a friend who is a passenger and you get hit by another car and you both get hurt. That’s it, right? Ok.
If you have personal injury protection on your insurance that will cover you and your friend, and that’s a no-fault coverage so it doesn’t matter who’s fault it was. If he was in your car and you’ve got personal injury protection it will cover you and him and you both get the same. If you have $35,000 it’s $35,000 for each of you. That’s why you want to make sure you have good personal injury protection. That’s really the only way you can take care of him.
Now, if you’ve got uninsured motorist coverage, the guy who hit you doesn’t have any insurance, he can make a claim on your uninsured motorist coverage. Now that’s not a claim against you, it’s a claim against your insurance company because you were hit by somebody who was uninsured. It should not raise your premiums. It should not affect your insurance record. Its just you being smart enough to protect yourself and your passengers by making sure you have that uninsured motorist coverage. And so its your insurance that will protect both you and your passengers if you get hit by someone who doesn’t have insurance.
And thanks for the question.