Passenger Seat: Are you Covered by the Drivers Insurance?

No matter in what state you drive, you’re responsible for the injuries that your passengers suffer during a car accident in which you are at fault.

This means that you need the proper amount of auto insurance to cover any medical treatment that your passengers might need following an auto accident. Personal injury insurance is what provides this protection. Fortunately, this type of insurance is required in no-fault car insurance states, meaning that the odds are high that your auto insurance policy will include this important coverage.

By having this coverage, you’ll provide peace of mind to the person sitting in your car’s passenger seat. This person, after all, might face expensive surgeries and other medical treatment should you get into a car accident. If this person knows that he or she is at least covered by the drivers insurance, this will give this passenger one less thing about which to worry following an accident.

When taking out a car insurance policy, it’s important to make sure that personal injury protection is indeed part of your coverage. You don’t want to find out after an accident that you’ll be paying the medical costs of the person in your passenger seat.

The importance of personal injury insurance also proves a point about shopping for auto insurance: It’s possible today to view live insurance quotes online. This makes shopping for auto insurance less of a hassle. But it also encourages consumers to look so closely at price that they forget to evaluate the amount of coverage that an insurance policy will provide, too.

When you’re shopping for an auto insurance policy, make sure to consider whether the person sitting next to you is covered by the drivers insurance. The savings you get with a cut-rate insurance policy might result in big medical bills in the future.

Do I Need Medical Coverage In My Auto Insurance Policy?

Auto Insurance for RescueThe short answer is “yes”, and here are some reasons why.

Medical coverage in your auto insurance policy means that everyone’s medical expenses—yours as well as anyone else involved in the accident with you—will be paid for. If you do not have medical coverage in your auto policy and another person is injured, you may be responsible for medical expenses, and this can get very expensive very fast.

Remember also that if at any time after the accident, unless a legal agreement has been reached stating that after a specific amount of time you will no longer be responsible for medical expenses, if further treatment is necessary you will have to pay for this, also. This can occur years down the road, at a time when your income may have been lowered due to retirement, job loss, or other reasons.

If you are injured, your health insurance may only pay for a portion of the medical treatment.

If you are injured in an automobile accident and your health insurance does not cover everything, or if you have co-pays or other out-of-pocket payments, you can submit the additional costs to your automobile insurance company if you have medical coverage. This can be very cost-effective, especially if you have a lengthy recovery.

In some cases the health insurance company may ask that your automobile insurance medical coverage pay:

  • For all or part of your medical treatment or, the health insurance company may pay for the treatment, but then recoup a portion of the expenses from your automobile insurance company.
  • In addition, some automobile insurance policies may have coverage in the medical benefits portion that helps with lost income or other issues that arise from injuries in automobile accidents. This may not be available with your health insurance policy, so you would have this to fall back on.