Does liability insurance cover passengers in your car? This question is about Insurance for Passengers in a Car Accident

Does liability insurance cover passengers in your car?

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This question is about Insurance for Passengers in a Car Accident

Sydney Garth, Credit Cards Moderator

@sydneygarth • 06/05/20 This answer was first published on 06/05/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If the other driver is at-fault, your passengers are covered by their liability insurance.

If you are at-fault, and your passengers aren't related to you, then they are usually covered by your liability policy (this varies a bit by company and state).

If you are at-fault and your passengers are related to you (in the same household), then they are not covered by liability insurance. They will be covered by auto medical insurance such as personal injury protection or MedPay.

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