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?

  • 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.