Coverage for Your Passengers when You're at Fault

[DawnPatrol]

I handle VA claims!!
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Are you still looking for answer? And your wrong the BI portion of your policy does cover them. If they have medpay on their auto policy that will cover them also. MEDPAY is a no fault coverage however BI is what jacks your rates up.
In Va once the insurance company pays out over 900 bucks your policy starts getting surcharged.

Want me to keep going?
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Oh yeah and you can get medpay coverage up into the hundreds of thousands if the insurance company your with offers that

Agree.... BI should cover non-family members as passengers. The driver is just as much as fault for injuring other drivers as passengers in his car

And some companies go up to 100K auto med (State Farm for one)

 

[denny]

Every company and state will have different policies and laws for this one. It is called stacking on auto insurance. You will have to do some research for your state laws and policies in your area.

 

[Bonn354]

Different state by state....

In PA i have personal injury protection on my policy that will cover me in someone elses car...

Hello,

I've been doing some research and I've found that Bodily Injury Liability doesn't cover the passengers in your car if you're at fault in an accident (I don't live in a "no fault" state, so I don't know if it would be any different in those states). Your passengers would be covered by the Medical Payments portion of the policy (I don't live in a PIP state either).

The problem I see here is that options for Medical Payments coverage are much more limited than options for Bodily Injury Liability. For example, Med Pay coverage typically only goes up to 25 or 50k where as BI coverage goes up to hundreds of thousands of dollars. I have health insurance, so I'm not worried about myself but I have no control over whether my passengers have their own health insurance. It's easy to imagine an accident causing medical treatment costs to exceed 25 or 50k by quite a bit and if that happened to my passengers and they didn't have their own health insurance (or their health insurance wasn't adequate), I could be on the hook for the excess.

Can anyone explain why auto insurance policies are designed this way? Seems like it leaves you exposed to some large liability amounts. Or am I just missing something?

Thanks.