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Does Liability insurance cover your medical or the person with you in the accident?


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Answered 2010-10-25 22:58:39

Liability covers the other person that you damage.

Uninsured and under-insured motorist coverage carries those in your vehicle.

Medical payments coverage covers everyone involved regardless of fault.

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If another person was at fault for the accident, you will need to go after their insurance company. If you are liability only, your insurance company will not pay for anything.


Liability insurance protects a person if he or she gets in an accident and they end up hurting someone or his or her car or property. Many state have a minimum that each person must carry. Limited liability car insurance is where a person is covered in this case, but only for a small amount, for example, $25000.


No. You must at least have liability insurance bodily injury liability limit of $15,000 per person, $30,000 per accident, and $5,000 property damage limit.


The liability section of a Home insurance policy covers you anywhere any time as long as it is not malicious intent.


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.


Maryland minimum car insurance requirements are: Bodily Injury Liability: $20,000 per person/$40,000 per accident; Property Damage Liability: $15,000; Uninsured/Underinsured Motorist Bodily Injury: $20,000 per person/$40,000 per accident; Uninsured Motorist Property Damage: $15,000; and finally Personal Injury Protection (pays your medical bills): $2,500.


then it turns into a legal matter where the person who didnt have insurance gets sued for losses and medical expenses


As you know the minimum amounts for liability insurance vary from state to state. Alabama has as its minimum requirements the following the minimum liability limits are $25,000 for injury liability for one person, $50,000 for all injuries and $25,000 for property damage in an accident.



Your liability insurance does not cover medical expenses in your vehicle no matter who is driving. Depending on your state and the regulations there, this could vary somewhat. Liability is coverage for the party and passengers in a vehicle that you hit if you are at fault. If you are talking about a person in the other car then yes, but if you mean a person in your car the answer is no. You need to purchase "Medical Payments" or PIP coverage to provide medical coverage fro those in your car.


If the person broke your windshield as part of the damage in an accident and they have liability insurance on their car (which is required by law), yes their liability will cover your windshield as well as other damages to your car, person, and passengers.In all other conditions, no as glass damage is covered by your own comprehensive insurance (if you purchased it, its optional).


Three types of auto insurance come to mind: medical payments (or personal injury protection), liability coverage and under/uninsured motorist coverage. Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy limits. Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault. UM coverage is owned by the injured person and pays them in cases where the at-fault driver does not have any insurance or does not have enough liability coverage.


Pennsylvania minimum liability requires $15,000 bodily injury liability (per injured person), $30,000 bodily injury liability (per accident), $5,000 property damage, and $5,000 PIP. Get quotes for best rates.


This is unclear. If you're asking if your medical insurance will pay for someone else's treatment... no. If you're asking if your liability insurance will cover your own personal injuries... probably not, though that's less certain, and it might apply in some cases like a "no-fault" auto accident.


No. Unless you killed somebody's pet deer, liability insurance is no value. Liability insurance covers the damage you do to somebody else's property or person. Collision insurance covers damage to your vehicle when you strike an object or animal or when your vehicle is damaged by someone unknown, as in a hit-and-run accident.


A minimum of $20,000 per person and at least $40,000 per accident in liability insurance in case they cause an accident that caused bodily harm is what is required under the Connecticut law.


The State of Texas has a minimum liability limits of 25/50/25 in order to drive in Texas. This limit of liability means that there would be $25,000 liability per person for bodily injury and a policy maximum of $50,000 per accident and $25,000 maximum payable for property damages per accident. The answer to your question is $25,000.



Pip is a package that you can purchase with your existing car insurance that will cover the cost in case you get into a accident. It covers medical, hospital and funeral costs for you and/or the other person involved in the accident.


With regards to auto insurance, your best bet is to "shop around" as each company will offer different rates and discounts. There is a minimum coverage you must have (liability and uninsured motorist coverage). For liability it's $20,000 - injury or death of one person in an accident, $40,000 - injury or death of more than one person in an accident, and $15,000 - damage to property of another person. For uninsured motorist coverage it's $20,000 per person, $40,000 per accident.


Contractual liability insurance is something purchased to protect a person entering into a contract, when that contract means that they agree to be responsible for any liability.


Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are at fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.


Assuming the woman is at fault and caused the accident, she is certainly responsible for the damage caused. Whether or not a person has insurance has no impact on liability and they are still legally required to compensate you for the damage. If she refuses to pay outright, you will have to take her to court in order to recover. That's the frustrating part when people don't carry insurance. In most states, drivers are required by law to carry liability insurance, so it is likely she was driving illegally. Whether a person has liability insurance or not has nothing to do with whether or not they are responsible for the damage they caused to another vehicle. If the other person is the one that was found to be the one that caused the damage, then they are liable for the damage, whether they have liability insurance or not.


Third party liability for pet insurance refers to pet liability insurance, which is completely different than traditional pet health insurance. Pet liability insurance covers claims for dog bites and other injuries related to your pet attacking or hurting another person or animal. It will pay legal fees and medical bills. Pet health insurance on the other hand pays for medical bills if your dog or cat gets sick or injured. It's important to understand that these products are completely different and sold by different companies.



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