Quote:
Originally Posted by Salty Dog
Your health insurance won't cover your passengers. The liability portion of your auto insurance would probably cover them, but would they have to sue to get it?
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Uninsured motorist insurance provides no personal liability coverage for you. The uninsured motorist is liable for any damages if they cause an accident. It is possible that UM insurance would cover a passenger's medical bills. But, personally, I don't feel responsible for my passengers medical bills for an accident that I didn't cause. To me, passengers should have health insurance like I do. If I cause an accident, I have plenty of personal liability coverage to pay for it. But, why should I pay for liability coverage for an uninsured driver and medical insurance for a passenger who chooses to not buy it? My opinion, and I know that some people will disagree.