Will my uninsured motorist coverage pay for my passenger's medical bills?

"I was rear-ended and not at fault in an accident. My passenger hit their head and had to go to the emergency room. The at-fault driver doesn't have insurance.

My insurance said they would pay up to a certain amount for the medical bills, but I'd still owe $1,500. I have uninsured motorist coverage; would this apply?"

Answer
“There are two types of uninsured motorist coverage. One is bodily injury and the other is property damage. Not every policy has both.
It is more common to see uninsured motorist coverage for bodily injury, as that is what is included in most states’ minimum insurance requirements. The bodily injury coverage will pay for medical bills up to your limits. If you have this coverage, you shouldn’t need to pay out of pocket for any medical costs, including your passenger’s.
You should check with your insurance carrier to confirm whether your uninsured motorist coverage includes bodily injury, property damage, or both.
Your insurance company might have used your medical payments coverage initially, so it will be good to clarify your coverages with them.
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Emily Maracle
Answered on May 10, 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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