Does bodily injury cover injuries in a car accident when there's no medical payment coverage?

"My daughter crashed her vehicle with a friend in the car. They both sustained injuries, but I did not have medical payments coverage on the policy at the time of the accident.

When we submitted a claim for the medical bills for both my daughter and her friend, our insurance company denied the claim. Shouldn't my bodily injury liability cover the injuries?"

“Your bodily injury liability will cover the medical expenses related to your daughter’s friend’s injuries, but not your daughter’s injuries.
Bodily injury liability covers the injuries of others when you’re at fault in an accident. It won’t cover any injuries to you or your family members.
If you did have medical payment coverage at the time of the accident, that would have covered both your daughter and her friend.
Since you submitted a claim with medical bills for both your daughter and her friend, this is why the claim was denied. You’ll want to get in touch with your insurance company to let them know that you’d like to submit a claim for just the passenger, who is unrelated to you. They should approve the claim and cover their medical expenses. “
Emily Maracle
Answered on May 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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