In most cases yes the other person's insurance company is liable for paying loss wages, all medical bills, and other costs. This is providing that the other person has insurance.
for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.
If they murdered the passenger, then there is not much you can do.
The passenger must first look to his or her own PIP (or no-fault) coverage for medical/wage loss/replacement services coverage. If the passenger does not have insurance then he or she looks to his or her household: does the passenger live with someone with auto insurance? If yes, then the passenger is covered by the resident relative's PIP. The driver's insured status does not dictate the passenger's status. However, if the driver is "an excluded" - I take it you mean he or she was not named on the policy as a driver - the passenger may have difficulty bringing a liability claim. Did the driver have the owner's permission to use the vehicle? If so, then he or she would be covered as a permissive user. However, if the driver was a young driver resident of a household - a kid using mom and dad's car - and the parents did not tell the insurance company there was a chance the kid would use the car - then you may run into coverage problems. Sometimes people try to save money by not listing a young driver on the policy. The insurance company can deny coverage in that instance.
Yes. If the passenger is hurt in an accident caused by the driver, the passenger is fully entitled to sue the driver. In fact even if the passenger is a spouse of the driver, the passenger can sue.
For better window coverage especially for the driver. See sources and related links below to lookup the correct wiper blade sizes for your vehicle.
He and/or the driver can be ticketed for not wearing a seatbelt but coverage still applies. Typically the insurance policy contains no such exclusion of coverage for passengers who refuse to wear a seatbelt. You would not want the exclusion on your policy otherwise your passenger's attorney would have no other recourse than to come after your personal assets.
If a motorist is injured by an uninsured motorist and the driver has uninsured motorist coverage the insurance carrier will provide coverage, if certain information is obtained on the uninsured driver. If a driver has Medical payment coverage or PIP coverage he or she and any passengers will be covered by the drivers auto policy Medical payment coverage.
Uninsured Motorist coverage
If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.
driver's insurance has coverage for a specific amount of medical coverage for injury and even death. check with the other driver to see the coverage and report it to the other driver's insurance company to find out the process to have the bills paid.
Driver's side became standard in 1990, driver/passenger became standard in 1994.
yes