Does my PIP insurance cover another driver?
Will my PIP insurance cover the other driver's injuries? I was in an accident and at fault.
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Answered on Jul 06, 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.
“If you are at fault in an accident and the other driver is injured, your bodily injury liability would cover them. Bodily injury liability is designed to provide coverage for any person you injure in an at-fault accident up to your policy limits.
If their injuries should exceed your bodily injury limits, you’ll likely have to pay out of pocket for their expenses unless they agree to settle for less.
Your personal injury protection only covers you or your passenger’s medical expenses, even when you’re at fault. If you’re at fault without PIP, you’d be responsible for paying for your medical expenses out of pocket or solely through your health insurance.”
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