Which Auto Insurance Company Pays For Injuries If you Are Injured In An Accident As A Passenger? 
That is a really good question ! I am glad that your son was n't badly hurt ; God is good ! Insurance companies on the other hand are not quite so giving ... In a no fault State , the payment for claims is not dependent upon who caused the accident . Each person files with their own company , regardless of who was at fault . Your son 's insurance company would therefore be liable for the claim for damages and/or medical expenses , and would pay them according to the terms dictated in the policy . That would include , unfortunately , the deductible and co-pays . They should cover everything over those , but I 'd expect them to poke you for the deductible and your son 's share of the expenses . You can try to dispute it , and with the help of a lawyer , possibly be able to sue in small claims court the driver -LRB- or the other driver , if there was another car that had caused the accident -RRB- for those costs . I hope it all works out well for him and you , and that his healing is quick and complete . Thank you for asking ! 