Do you think that car insurance can only cover you for your injuries while driving your vehicle? The answer is no. Generally car insurance covers more than just that. Familiarize yourself with how car insurance works. If you have any questions, please feel free to contact us at Kwon Law! We will be glad to help you navigate this confusing area of law.

IF I AM RIDING AS A PASSENGER IN MY FRIEND’S VEHICLE, HOW AM I COVERED FOR INJURIES JUST IN CASE OF A WRECK? 

It will first depend on whether who is at fault for the wreck. Let’s first assume another person is at fault for the wreck while your friend is driving:

You will be covered for injuries on the other other driver’s LIABILITY insurance policy.

1. You will be covered for injuries on the other other driver’s LIABILITY insurance policy.
2. If your friend has UNINSURED/UNDERINSURED MOTORIST coverage, your friend’s UNINSURED/UNDERINSURED MOTORIST insurance policy covers you for bodily injuries.
3. If you have UNINSURED/UNDERINSURED MOTORIST coverage on your own car insurance, your own UNINSURED/UNDERINSURED MOTORIST insurance policy covers you for bodily injuries.

Let’s assume if your friend is at fault for the wreck:

1. You will be covered for injuries on your friend’s LIABILITY insurance policy.
2. If you have UNINSURED/UNDERINSURED MOTORIST coverage on your own car insurance, your own UNINSURED/UNDERINSURED MOTORIST insurance policy covers you for bodily injuries.

These insurance policies will cover you for your injuries while riding as a passenger in a vehicle. The thing to take into consideration is if the policy is active and valid. If the insurance policy is not active and valid, then there is no coverage at all. Unfortunately, you can’t control other people’s insurance policies; however, you can control your own. Please take the time to understand what your own insurance policy covers. If you have

IF I AM WALKING ON THE ROAD AND I AM STRUCK BY A CAR, AM I COVERED FOR MY INJURIES UNDER CAR INSURANCE?

The simple answer is yes. You do not have to be in a car to be covered for your injuries under car insurance. Again, this is assuming that the coverage is active and valid. Listed below are the coverages available for your injuries.

1. You will be covered for injuries on the car driver’s LIABILITY insurance policy.
2. If you have UNINSURED/UNDERINSURED MOTORIST coverage on your own car insurance, your own UNINSURED/UNDERINSURED MOTORIST insurance policy covers you for bodily injuries.

WHAT IF I AM RIDING A BICYCLE AND STRUCK BY A CAR?

The coverages work exactly the same as if you are pedestrian. Nothing changes.

Again it’s important to really familiarize yourself with how car insurance coverage works. If you have any questions, please contact us at Kwon Law to further explain how it works.