Does the liability coverage on your auto insurance cover you against a liability exposure if you are at fault in an accident and a passenger in your car is killed in the accident?

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  • It should, up to the amount of the policy. It is possible that your liability could exceed that amount, particularly if you had only "legal minimum". And I suppose there could be some situations spelled out in your policy, maybe DUI or commission of a crime, that might create an exception.



There may also be an issue if the passenger is a member of your household.
#2 answ: Better read your insurance policy. Most liability insurance covers ONLY the person and property of another vehicle and not your own ESPECIALLY if you are at fault.
  • In the UK - the answer is simple. Your insurance will cover you for all injuries including a fatality to a passenger in your car. If there was a deliberate act your motor insurer may wish to recoup any compensation payment for the fatality. See the related link entitled "car accidents caused by family members" to see how your insurer might investigate if suspicious circumstances are suspected due to a family relationship.
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How does liability insurance work when the driver has an accident and kills a passenger due to drunk driving?

Barring any policy exclusions to the contrary, the driver would be held responsible (assuming they were at fault for the accident), and their Bodily Injury Coverage, (and perhaps medpay and pip, and some others) would cover this sensless death, up to the policy limit. More accident/loss details and

What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?

I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did

If you only have liability and your car is totaled in an accident will your insurance pay for it?

Car insurance:liabiltity No. Because liability only covers the damages to the other persons car in an accident. "3. Property Damage Liability This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to

How much would insurance cost if you were involved in a car accident that was your fault and both drivers have liability insurance?

Answer . How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PA

Is No-fault insurance covered only auto accidents?

Answer . Yes only for Auto, Campers, Motorhomes while on the highway What's No-Fault Insurance?No-Fault Auto Insurance Coverage pays for each driver's own injuries and property damage, up to the limit specified in the policy, regardless of who caused the accident. Because No-Fault insurance var

What is liability coverage on auto insurance?

This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage..

Does liability insurance cover your car if you are at fault?

Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coverag

I got into an accident delivering a pizza and all i have is progressive liability insurance does progressive have to cover the other guys damage to his property if i was at fault?

The insurance is actually PL/PD, which is Public Liability and Property Damage. This coverage is mandatory in most (or all) of the US and Canada, as it is to cover any damage or injury that you cause to the person or property of others. The public liability portion of the insurance is to cover

Does liability coverage cover passenjures injured in your car during and accident in which your car is the only one reported damagesd?

If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury ev

What does liability auto insurance cover?

Damages to other's vehicles, property, or persons in an accidentwhere you were found at fault . In "no fault states" eachperson's policy covers the other's damages without requiringdetermination of fault.

A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?

When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the dr

Does liability insurance cover death in a single car accident?

Liability coverage is "third-party" insurance that pays for injuries or death to another person as a result of the insured's negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence.

What if you have no liability insurance and have an accident?

Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.