Does bodily injury liability cover other people's passengers?

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.

Coverage That Applies When You’re...