Does car insurance cover passenger injuries?

Car insurance covers passenger injuries through bodily injury liability. The bodily injury portion is part of liability auto insurance. On average, liability insurance costs $46/mo. If you need a little more, add PIP, MedPay, and UM/UIM coverage to cover passenger injuries. Shop around and compare multiple companies to get the best auto insurance coverage for passenger injuries.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Apr 12, 2022

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The Highlights

  • Car insurance covers a passenger’s injuries through bodily injury liability
  • On average, liability car insurance is $46 a month
  • Personal injury protection and medical payments can cover passenger injuries
  • Passengers can supplement coverage with health insurance

If you were in a car accident recently, your auto insurance policy can cover bodily injury and property damage for the other driver. But are passengers covered by car insurance?

Don’t worry – we’re here to answer questions regarding auto insurance coverage for passengers.

Read through this guide to learn which coverage pays for injuries to passengers in your car when the accident was your fault. Also, we’ll show you how to compare car insurance to get the best deals.

After you learn how car insurance covers passenger injuries, enter your ZIP code in the free comparison tool above to compare the top companies near you.

Does car insurance cover passenger injuries?

The short answer is yes. Passengers are covered through the driver’s liability car insurance coverage.

Liability insurance is the minimum car insurance requirement in most states.

It covers bodily injury and property damage of no-fault drivers and passengers in both vehicles. The part that covers passenger injuries is known as bodily injury liability.

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How do car insurance companies cover passenger injuries?

When you get liability coverage from an auto insurance company, you’ll notice that it has three parts. These parts are known as the coverage limits.

For example, the South Carolina minimum coverage limits are as follows:

  • $25,000 for bodily injury of one person per accident
  • $50,000 for bodily injury of multiple people per accident
  • $25,000 for property damage per accident

Liability auto insurance will pay for injuries up to the limit you’ve chosen for your policy.

According to the National Association of Insurance Commissioners (NAIC), liability insurance is $46 a month on average.

If you don’t have enough on your car insurance policy, the passengers may pursue legal action against you.

You can avoid this by investing in a higher coverage limit. Most car insurance companies recommend that you pick up a medium coverage limit, which is 50/100/50.

However, higher coverage limits drive up your auto insurance rates. Compare the best insurance companies to get the best deal.

Which car insurance options provide coverage for passenger injuries?

Other coverages can pay for passenger injuries after an accident. Check out this small list to see which auto insurance options cover passenger injuries.

  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)

PIP and MedPay are no-fault coverages, which means your car insurance company pays out claims regardless of fault.

Also, you can use your company’s PIP and MedPay even if you’re a passenger. But, uninsured/underinsured motorist coverage is different.

UM/UIM coverage pays for injuries if you’re in an accident with a motorist who’s uninsured or doesn’t have enough coverage limits to pay for your injuries.

How do I get coverage for passenger injuries?

There are four ways you get coverage for an accident. Let’s look at each method in the list below.

  • #1 – File a claim through the driver’s car insurance policy
  • #2 – File a claim through the other driver’s auto insurance policy
  • #3 – File a claim through your own insurance company
  • #4 – File a claim through your health insurance, PIP, or MedPay

If you’re not comfortable filing a claim by yourself, hire a personal injury attorney to file a claim on your behalf.

You can get an idea of what a settlement is like by using a passenger car accident settlement calculator.

An attorney can negotiate a fair settlement and ensure that you get the coverage you need.

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Car Insurance for Passenger Injuries: The Bottom Line

There’s more than one way for passengers to get coverage for injuries. If you think a car insurance company may not give you a fair deal, you can always hire a personal injury attorney.

Now that you know how car insurance covers passenger injuries, enter your ZIP code in our free online quote tool below to compare multiple companies near you.

Frequently Asked Questions: Does car insurance cover passenger injuries?

Want to know more? Check out these answers to frequently asked questions.

#1 – What covers injuries to a passenger in your car in an accident?

Bodily injury liability, PIP, MedPay, and health insurance can cover the cost of medical bills if you’ve been in an accident.

#2 – Does my car insurance cover passengers?

The answer is yes. The bodily injury liability portion of your insurance policy covers the no-fault driver, the no-fault driver’s passengers, and your passengers.

#3 – What happens to passengers in a car crash?

According to the Law Office of Mark C. Blane, most car crash victims encounter bodily injury.

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