What would happen if you were driving a car, were involved in an accident, and there were passenger injuries as a result of the accident? Would insurance cover their injuries? If so, whose insurance would cover it?
If you are a passenger and are injured as the result of an accident, you can file a claim with either person’s insurance company. Since you were not driving, it would not effect your insurance, and since you were not the cause of the accident, it would not be your responsibility to cover your injuries.
If your driver was found to be at fault, they would be liable for your injuries and you would have to file a claim with their insurance company. Their company would have to cover all of your medical bills as well as compensation for pain and suffering.
If the other driver was found at fault, they would be responsible for all injuries and damages to you. This would fall under their liability coverage, which covers damages and injuries to others as a result of their actions. If they are uninsured or do not have enough insurance to cover all the damages, they are still liable, but you may have to take them to court in order to collect. More information on uninsured driver’s can be found in the uninsured motorist section.
So in the end, it comes down to who is at fault, as they will be responsible for covering all injuries and damages, including all passengers. You can see how a simple accident can balloon up a large bill, if there is a full car fo injuries!