Are passengers covered by my auto insurance?

If your policy has medical coverage or uninsured/under-insured motorist coverage other passengers will be covered under your auto insurance.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 17, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember...

  • If passengers in a vehicle are injured in a car accident, it depends on which driver was at fault in determining how the auto insurance will cover the medical bills of the injured passengers
  • If you were at fault for the car accident, you may rely on your supplemental coverage in addition to the traditional auto liability policy required by most states’ laws
  • Personal Injury Protection (PIP) may cover passengers injured in an auto accident and is required in no-fault auto insurance states

If passengers in your vehicle are injured in a car accident, the cost of their medical bills could be covered from a variety of different sources. Mostly insurers, but it depends on which company and who owns the policy.

If you were at fault for the car accident, you may rely on your supplemental coverage to cover medical expenses, in addition to the traditional auto liability policy required by most states’ laws.

The supplemental coverage may help to pay the medical bills of the injured passengers in your vehicle.

If the other driver is at fault for the accident, the injured passengers in your vehicle may be able to recover from the other driver’s insurance company for their medical bills and lost wages by submitting an insurance claim.

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Coverage for Your Passengers


Even if you have the required minimum auto insurance under the laws of your state, this may not be sufficient coverage limits to fully protect you from having to pay out of pocket for injuries sustained by passengers in your vehicle in an auto accident.

This is why it is so important to understand exactly what type of coverage you have and what types of damages are protected under your auto insurance policy. It’s also crucial to understand what the insurance requirements are in your state. If you only have collision coverage on your auto policy but you’re required to have comprehensive coverage as well, that could land you in even more trouble. Especially if you become the at-fault driver in an accident, or your vehicle has suffered any sort of damage from something other than an accident, which is what comprehensive is good for.

Basic Liability

For basic auto liability insurance, you are covered for damage that you cause to another vehicle or driver in an accident. This basic coverage does not extend to you or passengers in your own vehicle.

You may not be protected for injuries sustained by the passengers in your car in the event that you are responsible for a car accident without having additional coverage.

The passengers in the car accident will either file a claim against you or the other driver who was involved in the accident, depending on which driver was at fault for the accident.

This is why it is so important to consider carrying additional coverages over and beyond what is required under your state law.

When shopping around for the right auto insurance coverage for you and your family, you need to consider whether you can afford to pay out of your own pocket for potential injuries caused to other people in your car in the event of an auto accident. Keep in mind that these costs can be very expensive.

Additional Coverage for Medical Costs

If you do not have sufficient personal assets to coverage all of these potential damages in a car crash, then you should consider adding on optional coverages to your auto insurance policy.

If the passengers of your vehicle are not able to recover from the other driver in an accident, they may choose to sue you directly in the event that you caused the accident in any way.

Without having sufficient coverage, you may be faced with a lawsuit from a passenger in your vehicle, which could be very expensive both in terms of legal expenses and having to pay for the passenger’s injuries.

Personal Injury Protection (PIP) helps to cover the treatment of injuries sustained by the driver and passengers in the car that belongs to the policyholder in a car accident.

This type of coverage is also sometimes referred to as medical payments coverage.

Some of the types of damages that PIP may cover include medical bills, lost wages and the cost of the services that would regularly be provided by the person injured in an auto accident. PIP coverage may also help to pay for funeral costs under some policies.

If you live in a no-fault auto insurance state, PIP coverage may be mandatory under your state’s laws. Depending on the laws of your particular state, PIP coverage may also include child care expenses for someone who is injured in an auto accident.

Even if you are able to pay for certain damages out of your own pocket, if you live in a state where PIP coverage is required, you must be certain to follow the state law.

When shopping around for different quotes on auto insurance policies, be sure to ask the insurance agent about the specific requirements for your state to make sure that you are adequately covered.

Failure to maintain the required minimum amount of PIP coverage can result in serious penalties.

If you are involved in an auto accident without the required PIP coverage, your state could impose mandatory fines or even revoke or suspend your driver’s license. If you are a repeat offender of this requirement, the penalties under state law will increase with each subsequent violation.

This will also be reflected on your driving record and can result in you having to pay increased premiums in the future for your auto insurance coverage.

It is possible that you carry PIP through your health insurance policy. If you are a passenger in another vehicle that is involved in a car accident, you may already be protected for injuries that you sustain in the accident through your own PIP coverage.

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 Coverage Recap for Passengers in a Car Accident


One of the most important things in determining whether a passenger in your vehicle is covered by your insurance is knowing what types of auto insurance coverage you have as well as the policy limits for those coverages.

In addition, it will be important to know which driver was at fault for the car accident. Passengers in your car may recover directly through the insurance company of the other driver involved, assuming that you were not at fault for the car accident.

If you were responsible for the car accident, passengers in your car may be covered through Personal Injury Protection (PIP) or through their own health insurance, which also likely includes PIP coverage for them.

If you want to play it safe, always drive as safely as possible. Avoid common distractions such talking on the phone and texting while driving.

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Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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