Would my insurance pay for medical bills from an accident that was not my fault?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 25, 2013

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Insurance Question from Coventry, RI

Asked on 04/25/2013

Would my insurance pay for medical bills from an accident that was not my fault? I was hit from behind while at a stop light, my car totaled. It is now in the hands of my lawyer and I wanted to know if my insurance company pays any of the medical bills for my friend who was in the car with me and had minor injuries?

Answer given on December 21, 2013

If a passenger in your car is injured due to another driver’s fault, the other driver’s insurance should pay for the injuries to you and the other person in your car.If the other driver does not have enough insurance, you can see if you carry medical payments coverage under your policy. If so, you can obtain additional money from that coverage up to the limits shown. Finally, your insurance should include uninsured/underinsured motorist coverage. This will too pay for injuries caused by the other driver, up to the limits of this coverage. In addition, if your passenger has car insurance, he can see if he can collect under his medical payments coverage and also under uninsured/underinsured motorist coverage. Of course, these will only pay to cover the injuries, not usually any additional money for pain and suffering.

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