Car Liability & Medical Expenses
Does basic car liability insurance cover medical expenses of passengers in your car if you are in an accident that is your fault?
Your liability coverage will cover the medical expenses of passengers, up to your liability coverage limit. It should be included as part of your liability coverage, under "Medical Payments Coverage". However, always be sure to read your policy's fine print. You don't want to be caught without the coverage you need, once you've already been in an accident.