Are passengers covered in the insured vehicle?

Whether passengers are covered in an insured vehicle depends on several factors, primarily the type of insurance coverage and the jurisdiction (state or country). Here's a breakdown:

* Liability Insurance: This covers injuries or damages *you* cause to others. If you cause an accident, liability insurance will typically cover medical expenses and property damage for passengers *in the other vehicle* and pedestrians. It *may* cover passengers in *your* vehicle, but this is less common and usually only in cases of uninsured/underinsured motorist coverage (explained below). Liability insurance is primarily designed to protect others from your actions.

* Uninsured/Underinsured Motorist (UM/UIM) Bodily Injury Coverage: This is crucial. If you're injured in an accident caused by an uninsured or underinsured driver, your *own* UM/UIM coverage will help pay your medical bills and other expenses. This *does* typically extend to passengers in your vehicle.

* Personal Injury Protection (PIP): Many states require PIP coverage. This covers medical expenses and lost wages for you and your passengers regardless of fault. This is usually a "no-fault" system, meaning it pays your expenses even if you caused the accident.

* Med-Pay Coverage: Similar to PIP, but often has lower coverage limits and may not cover lost wages. It usually pays medical expenses for you and your passengers regardless of fault.

In short: Passengers are *more likely* to be covered if the vehicle has UM/UIM, PIP, or Med-Pay coverage. Liability insurance primarily protects others, not your own passengers. The specific coverage and limits will depend on your insurance policy. Always check your policy documents to understand exactly what is covered. Contact your insurance provider for clarification.