There is no such product
Covers medical expensives for you and passengers, will cover damages if other driver who is At Fault doesnt have insurance.
Covers medical expensives for you and passengers, will cover damages if other driver who is at fault doesnt have insurance.
Assuming that the at-fault driver maintained it at the time of the collision, his/her auto liability coverage would be triggered.
Yes, if you provide them with proof of non coverage.
Yes
Yes
Auto liability insurance is specifically designed to cover any damage caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
Your liability portion of your auto insurance pays for injury and damages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy will cover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coverage for your own vehicle if you were at fault.
Possibly if they are auto accident related. Also, if you have Med Pay on your own insurance.. any other bills that may not cover on the at-fault drivers' insurance, can fall back on yours but your rate won't increase if you're found not at fault.
Answer 1: If you are driving with a passenger that does not have auto insurance or medical insurance, they can be covered under either your policy or the third party's policy depending upon the situation. If you are found at fault for the accident, Medical Payments or Personal Injury Protection will pay the a portion of the medical expenses that you and your passengers incur up to the stated limits. If you carry Uninsured Motorist and are hit by someone with no insurance, this coverage will pay for injuries to you and your passengers as well. If you are not at-fault for the accident causing injuries and the other party has insurance, the third party liability insurance coverage will pay for injuries to you and your passengers based on the per person and per accident limits stated on the policy.Answer 2: If the passengers are travelling in your auto and, if you are at fault in an accident, your insurance will cover them. If the other driver is found at fault, his/her liability insurance will cover your passengers.