Whose auto insurance will cover your passenger if they have no auto insurance?

Answer 1

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.