Yes, bodily injury liability does cover other people’s passengers. Bodily injury liability insurance covers costs related to injuries suffered by other drivers, passengers, and bystanders involved in an accident caused by the policyholder.
What Bodily Injury Liability Covers
Medical expenses for victims of an accident caused by the policyholder
Legal fees for the policyholder if a lawsuit is filed against them
Loss of income for victims of an accident caused by the policyholder
Compensation for pain and suffering for victims of an accident caused by the policyholder
Funeral costs for people killed in an accident caused by the policyholder
Keep in mind that bodily injury liability policies have limits on how much will be paid per injured person and per accident. To find out what your bodily injury liability limits are, you should consult your online insurance account or call your insurance company.
Bodily injury liability insurance covers other drivers’ medical expenses if they are injured in a car accident that you cause. Bodily injury liability insurance can pay for things like another driver’s emergency care, hospital fees, and even lost wages after an accident you’re at fault for.
Although bodily injury liability won’t cover your own injuries or associated costs, it can cover your legal fees if you are sued because of an at-fault accident. However,...
In auto insurance, the difference between medical payments and bodily injury coverage is that medical payments (MedPay) insurance covers the policyholder, while bodily injury coverage applies to a third-party. Liability insurance only ever pays for damage caused to others, but MedPay applies regardless of fault. In addition, bodily injury coverage is required in almost every state, while medical payments insurance is only required in Maine and New Hampshire.
Medical Payments vs. Bodily Injury Auto Insurance Coverage
If you’re a passenger in a car accident, your medical expenses will usually be covered by your driver’s insurance or the other driver’s policy, depending on fault. You can also use your personal car insurance policy to cover your injuries if you have certain types of coverage, like personal injury protection. Additionally, you may be used as a witness during the insurance adjuster’s investigation in order to help them determine fault.
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