If they murdered the passenger, then there is not much you can do.
Insurance is issued on the vehicle, not the driver. If your child, properly licensed, is driving with you in the front passenger seat, the vehicle and its passengers are covered.
Collision insurance will cover the damages to your vehicle- no matter who is at fault. Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering). Liability = Other vehicle damage Injuries to driver/passenger in other vehicle Injuries to passengers in your vehicle if you are at fault Collision/Comprehensive = Cover damages to your car Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage
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.
this is tricky, dependant on the state laws...you are driving an uninsured vehicle, you have insurance on another vehicle of your own, you get into an accident that is your fault...the owner of the vehicle is a passenger in the car and is injured...your policy should step in and cover this uninsured vehicle (assuming you have collision coverage on your policy) you chose to drive, (doesn't matter you didn't know it was uninsured) and if your neglience resulted in this passengers injuries your policy will likely pay for their injury subject to any exclusion in the policy.....sorry.....
Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
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 Motorists Options on your Auto Insurance Policy Offer cover yourself and other passengers in your vehicle and comes with basically 2 options 1 Um / BI = Uninsured Motorist Bodily Injury Coverage 2. Um / PD - Uninsured Motorist coverage Physical Damage BI covers Bodily injury to the driver and passengers in your vehicle. PD covers your Physical Damage for your Vehicle.
Depends if your passenger lives in your household. If they are not, most likely they will have to file a medical only claim on their own insurance policy.
If you are uninsured then of course not.
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.
You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.
No, if the other person is driving the uninsured vehicle, then that person is still covered by their own policy. But, if you AND the vehicle are uninsured, then it doesn't matter who's in the passenger seat.