Call Us (757) 671-1111 ☰ ˟
Logo
Call Us (757) 671-1111
  • Main Menu
  • Get a Quote
    • Annuity
    • Instant Auto Quote
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowner Flood Quote Form
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft/Boat
    • Wind
    • BusinessImage of right arrow
      • Commercial Auto Quote
    • Special Events Insurance
    • Major Medical
    • Short Term Medical
    • Medicare Supplement
    • Senior Medical Insurance
    • HSA Health Plans
    • Group Health
    • Pet
  • Products
    • Annuities Insurance
    • Automobile
    • Flood
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
    • Windstorm
    • BusinessImage of right arrow
      • General Liability
      • Commercial Auto
      • Workers Compensation
      • Business Owners Policy
    • Special Events Insurance
    • Major Medical
    • Short Term Medical
    • Medicare Supplement
    • Senior Medical Insurance
    • HSA Health Plans
    • Group Health
    • Pet
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lein Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver From Existing Auto Policy
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Life
    • OtherImage of right arrow
      • Policy Review Request
    • Renters
  • Blog
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Switching to Roenker Insurance
    • Common Discounts
    • Frequently Asked Questions
  • About Us
    • About Matt Roenker Insurance Agency, Inc.
    • Leave Us a Review
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
  • Client Center
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
General Liability Icon

General Liability

We browse through a wide variety of coverages and find the right one for you.

Learn More
Commercial Auto Icon

Commercial Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Does Liability Car Insurance Cover Passengers?
THURSDAY, SEPTEMBER 2, 2021

Does Liability Car Insurance Cover Passengers?

Driving presents a risk of accidents all on its own, even for the most careful drivers. This risk increases when you have passengers in the car, as severe injuries and liability concerns may be at the back of your mind. Unfortunately, many people believe that liability insurance covers their passengers and fail to get the coverage they need to protect everyone in their vehicle in case of an accident. 

What Does Liability Insurance Cover? 2 men and 2 women in a car

In short, bodily injury liability car insurance does not cover passengers. This insurance, required by most states in the U.S., instead covers other drivers, their passengers and pedestrians in case they are injured while the insured driver is operating their vehicle. Liability also concerns lawsuits the driver may face after causing injuries in an accident with the insured vehicle. It does not cover anyone inside the vehicle, however. 

Instead, you will need medical payments coverage or personal injury protection. 

Medical Payments Coverage vs Personal Injury Protection 
There is little difference between these two types of coverages aside from where they are available. Both help cover medical bills you and your passengers may face after an accident, no matter who is at fault. For example, if you cause an accident and it results in injuries, this insurance will still cover everyone inside your vehicle. 

Medical payments coverage is the most common in the U.S., although it is not required. In states where personal injury protection is available, it is frequently required. Personal injury protection offers a lot of the same coverage while taking it a step further and offering certain benefits such as wage replacement in case an injured passenger is no longer able to work due to their injuries. 

Does Full Coverage Car Insurance Cover Passengers? 
Along with liability as required by the state, full coverage car insurance policies also include medical payments coverage or personal injury protection. Full coverage car insurance simply refers to the highest amount of coverage you can have on a single vehicle and is recommended for most drivers. 

Even if medical payments coverage is not required by your state or your vehicle’s dealership, it is crucial for making sure that you and your passengers receive help with medical bills after an accident. Be sure to speak with your insurance agent and insure your vehicle with the coverage it needs to keep everyone on the road safe. 

Posted 5:10 PM

Tags: car insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(10)
  • home insurance(8)
  • coverage(7)
  • auto insurance(6)
  • classic car insurance(5)
  • commercial auto insurance(5)
  • auto(4)
  • homeowners(3)
  • car(3)
  • policy(3)
  • liability(2)
  • life insurance(2)
  • flood insurance(2)
  • bop(2)
  • business owners policy(2)
  • wedding(2)
  • general liability insurance(2)
  • car insurance(2)
  • commercial(2)
  • mortgage(1)
  • workers compensation(1)
  • general(1)
  • classic car(1)
  • general liability(1)
  • life(1)
  • vehicle(1)
  • secruity(1)
  • premiums(1)
  • vehicles(1)
  • classic(1)
  • workers compensation insurance(1)
  • event(1)
  • classic auto(1)
  • special(1)
  • value(1)
  • collision(1)
  • high(1)
  • claims(1)
  • crash(1)
  • employee(1)
  • high value home insurance(1)
  • cargo(1)
  • preparations(1)
  • costs(1)
  • homeowners insurance(1)
  • sr-22(1)
  • venue(1)

View Mobile Version

Contact Us Today!
(757) 671-1111

Social

Resources

  • Get a Quote
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Blog
  • Contact Us

Contact Us

4870 Haygood Rd Ste 108
Virginia Beach, VA 23455

P: (757) 671-1111 | Fx: (866) 814-8757 | matt@roenkerinsurance.com
© Copyright. All rights reserved. 2021 | Powered by Insurance Website Builder