Does my car insurance cover my passengers even if they’re not related?

Passengers in accidents are covered by auto insurance under most circumstances.

If you are a driver in Clarksburg West Virginia, you have to follow certain rules when it comes to car insurance. You must possess a minimum of $25,000 in bodily injury coverage and $50,000 per incident.  Although these amounts are the minimums, under most circumstances, those amounts are not adequate in covering damages in most accidents.

However, if you are at fault for a car accident, your policy will then cover up to $25,000 for 1 person in the other vehicle and up to $50,000 for all of that automobile’s passengers. Additionally, you need to have $10,000 in property damage liability to pay for any harm to the other vehicle. 

Uninsured motorist coverage can cover passengers in a car accident.

Drivers in West Virginia are also required to carry uninsured motorist coverage. By having this type of insurance, you’re protecting yourself, your passengers and your car in case you’re in an accident with an uninsured driver or experience a hit-and-run incident. 

Even if your passengers are not related to you, they will be eligible for medical treatment under your uninsured motorist policy. In addition, there are other optional insurance clauses that provide further protection. Medical payment coverage, for instance, takes care of injury-related costs for you and your passengers, no matter who is at fault. 

Contact a Clarksburg, West Virginia Car Accident Attorney Today 

If you or a loved one has suffered because of a car accident with an irresponsible driver, you may be entitled to compensation. That’s why The Miley Legal Group is here to help you through the ordeal, fight for the money you need to recover and get your life back on track. 

For more information on the best way to approach a car accident case, read our article called The 7 Biggest Mistakes That Can Wreck Your West Virginia Car Accident Claim. 

Contact our Clarksburg office today to speak with a West Virginia car accident attorney toll-free at 1-888-436-0859 or locally at 1-304-326-1800.

Tim Miley
Injury Lawyer, Author, & Owner of The Miley Legal Group