When you get into a neighbor or a friend’s car, you would not check what his auto insurance policy covers. Unfortunately, if you happen to meet with an accident then, will you be covered? As a passenger of any car, you need to know the kind of coverages required by the driver in order to protect you. Here are two instances where your driver is held responsible for the accident or the other driver is found guilty.
With Your Driver
If your driver is held responsible for causing an accident due to distraction, breaking signal, traffic violation or unexpected collisions with another car, are you as a passenger being covered? It depends and differs from one state to another. With no-fault states, you will be covered under PIP coverage where as with not a no-fault state, your driver needs to carry medical payments coverage. But be aware that unlike PIP, medical payments coverage won’t consider lost wages. It just bares your medical expenses and pays for hospital bills. Medical payment covers both the driver and his passengers. You can sue the driver if he is not able to cover all your medical expenses but as a passenger even you will be held responsible for the accident, if at all you encouraged the driver to break traffic rules or had distracted him while on the drive.
With Another Driver
If another driver is found guilty, then his bodily injury coverage will cover you. This coverage is mandated in most of the states and every driver will carry it up to a certain limit as per Department of Insurance’s minimum requirements. A driver would opt for this coverage as this will act as a savior when he is being sued legally, to fight for claims. If the other driver is not having insurance, then uninsured motorist coverage if opted by your driver will cover you as a passenger. However, uninsured motorist coverage is optional in many states and your driver may not possess it. If you are in a no fault state, then you might be lucky as your driver would be having PIP which will cover you, no matter who is at fault. This covers medical bills, lost wages and even rehabilitation costs.