Insurance That Covers Passengers in a Car Accident In every state drivers are required to carry liability car insurance to cover any harm to third parties when they are at fault or liable for the damage.

Does third party car insurance cover passengers. Third-party insurance covers you for the damage you cause property or physical to other drivers. This is why its called third-party insurance. Third party only insurance also covers any passengers in your car with you if they are injured in an accident.

However bodily injury limits only covers passengers in a different car than the insured. If youre injured while riding as a passenger you might wonder are passengers covered by car insurance. Liability insurance does not cover injuries to you or passengers in your own vehicle.

Liability insurance is sometimes referred to as third-party insurance because it pays for bodily injury and property damage sustained by drivers and passengers in another vehicle due to your negligence. It protects external third-parties but not you and your car. Drivers are recommended to buy extra coverage from private insurers.

Third-party liability accident benefits collision and comprehensive and other coverages. Many people mistakenly think that bodily injury limits coverage will cover passengers in their vehicles. In this example your third party insurance policy will generally cover the following.

Third-party auto insurance is a type of insurance that protects the insured driver against losses they cause to someone else or their property. On most basic liability car insurance policies a passenger is not covered. But knowing who covers.

The passengers will have to pay from their pocket to pay for treatment of injuries. It also protects you in the event you are sued by an injured party. Its a liabilities coverage which only protects affected third-parties - like an injured pedestrian or the damaged guard rails - thats been proven to be your fault.