Why won't my auto insurance cover my husband's injuries?

"My husband and I got into an accident, but I was declared not at fault. My insurance initially said they would cover my medical bills and some of his since he was a passenger.

Now that it's time to cover our expenses, they are saying they're only going to cover mine. We don't have health insurance right now and he has his own car insurance. Is there any way to get his bills covered?"

“If you have medical payment coverage on your policy, it should cover both you and your husband’s medical bills. It will depend on your coverage limits, though. If your medical costs exceed your limits, your insurance wouldn’t be able to cover any remaining medical bills.
Since your husband has his own car insurance, he should reach out to his company directly. He may have coverage on his policy for medical expenses. Even though he wasn’t driving his vehicle, his medical payments coverage or personal injury protection should provide him with some medical coverage. “
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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