Is there a policy that will insure my passengers as well?

Question

I'm looking for insurance and I wanted to know what kind of policy I need to insure me, PLUS my passengers.... (I have little ones riding in the car w/me).

Answer 1

liability coverage covers all passengers in your car from any loss you are deemed legally liable for. There are some states which preclude family members from making liability claims against other family members living under the same roof so check your states laws on that or call your companies claims dept. Regardless of fault, all passengers and the driver are entitled to medical coverage as well. This also depends on what state you're in. Some states have medical payments coverage which is commonly in the amount $2000, $5000, $10,000, or even more. Others states have personal injury protection or PIP coverage which is broader coverage and includes some degree of wage loss payments, if applicable. PIP coverage limits are generally higher than medical payments.
If you're a daycare provider, let your insurance agent know as you'll need an endorsement to cover the kids on your homeowners insurance and possible your auto as well. Failing to do so would be foolish. Good luck!

Answer 2

Most regular auto insurance policies either carry mandatory or optional medical coverage for your passengers. If they are injured due to your negligence in some states then can also make a claim against your liability coverage. There's no need and no such thing as a policy just for passengers. All occupants are usually covered. All states vary, so you'll need to ask your insurance in the state where you live about specifics.

Answer 3

In the State of Texas we have available to us uninsured/underinsured motorist coverage, I’m sure many other States have it as well. This coverage provides protection for bodily injury and property damage if your vehicle is hit by someone without insurance or insufficient coverage up to your limits. This coverage automatically includes any passengers in your vehicle unless your vehicle is being used for commercial purposes.

You should contact your auto insurance agent to discuss uninsured/underinsured coverage. They can assist you in deciding just how much coverage you need and what it will cost. Remember there are per occurrence limits on this type of coverage so make sure your amounts are sufficient for your needs.

Hope this helped, take care.

Answer 4

full coverage, inth event of an accident you can choose how much you want insurance to cover in damages (including medical) if you goto progressive or geico you can customize yor insurance policy. It will ask if you if have other drivers to insure and if there are children in the vehicle.

Answer 5

Under Florida Law:
The PIP (Personal Injury Protection) coverage on your policy covers everyone (providing they are living in your household) up to $10,000. If they do not live in your household, they will be covered under the policy of the household in which they reside.

Answer 6

Your insurance covers anyone in your vehicle.

Coach