Quote:
Originally Posted by outlaw
The way umc was explained to me is that it only provides medical coverage for you and your passengers if the other motorist is at fault and doesn't have insurance. If you have comprehensive and liability coverage, your vehicle is covered, and your passengers can seek damages through your liability coverage.
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I don't think this is correct. If your passenger is injured in an accident in which you (the driver) are at fault, then their injury is covered under your liability coverage. If the other driver is at fault, and uninsured, then I do not think your liability coverage comes into play. They would have to see if their own UM/UIM coverage would cover the loss.
Would depend on policy language, of course.
If your golf cart was damaged, you would be covered by your collision coverage (except for whatever deductible you have).