Yes. Even with simple accidents, if you are injured as a passenger, there are often up to three different kinds of insurance coverages that can apply:
1. Liability Policy of the Drivers: You may be able to gain compensation under both liability policies with the driver of the vehicle you were in or the other driver, depending on who was at fault. (In some cases, this may be both drivers.) Each driver’s insurance would pay according to their percentage of fault.
2. Your Driver’s Underinsured Motorist Policy: Underinsured motorist insurance policies are for the payment of medical expenses and damages that result from an accident caused by a driver whose insurance policy cannot cover the cost of all the damages. This applies even when you do not own any of the vehicles involved in the accident.
3. Personal Insurance Protection: Personal insurance protection is an extension of your insurance and it is used to cover out-of-pocket medical expenses. It can also be called “no-fault” coverage because it pays regardless of who is found at fault and regardless of what the other insurance companies have paid.