Liability Coverage:
Liability insurance generally covers damages caused to others, including injuries sustained by passengers in the insured's vehicle. However, since your sons were driving a car with an Alabama liability-only policy, this coverage may not extend to injuries sustained by them. Liability insurance typically covers damages caused to third parties, not the insured driver or passengers in the insured vehicle.
No-Fault Insurance:
New York State follows a no-fault auto insurance system. Under this system, each driver's insurance company is primarily responsible for covering the medical expenses and lost wages of their own insured drivers and passengers, regardless of who was at fault in the accident.
Personal Injury Protection (PIP) Coverage:
PIP coverage is mandatory in New York State and provides benefits for medical expenses, lost wages, and other related expenses incurred by the insured driver and their passengers, regardless of who caused the accident. If your sons had a valid New York State auto insurance policy with PIP coverage, this coverage could provide them with some compensation for their injuries. However, if they did not have PIP coverage, they may not be able to recover their medical expenses and other losses from their own insurance.
Medical Payments (MedPay) Coverage:
MedPay coverage is an optional coverage that can be added to an auto insurance policy to cover medical expenses for the insured driver and their passengers. If your sons had MedPay coverage on their Alabama auto insurance policy, it may provide some coverage for their medical expenses, regardless of who caused the accident.
Therefore, the coverage available to cover your sons' injuries will depend on the specific insurance policies they had in place at the time of the accident. It's important to carefully review the terms and conditions of their insurance policies to understand the extent of their coverage and any limitations or exclusions that may apply.
