Which Auto Insurance Company Pays For Injuries If you Are Injured In An Accident As A Passenger? 
Firstly , we hope your son continues to recover and has a full and speedy recovery . Our thoughts and prayers are with him . If you are injured in an automobile accident , and you have minor or significant injuries , nearly all companies will pay for the medical expenses , up to the stated limits of the policy that is providing coverage . Medical payments coverage , although optional , is covered on nearly all policies in `` fault '' states . If the driver of the other car is at-fault , they are required to carry specific minimum limits of bodily injury . Typically it is between $ 15,000 and $ 30,000 per person . If it is a `` no-fault '' state , PIP -LRB- Personal Injury Protection -RRB- is typically required and will pay for the damages , although it does not matter who was at fault . Lost wages would also be covered . If the other driver has no car insurance , then uninsured motorist protection of the driver of your vehicle can step in and pay . If your driver is not covered , you can utilize your healthcare coverage or begin litigation against the driver . IMPORTANT : Answer was provided by Edward Harris , one of the leading US car insurance brokers with more than 30 years of experience . His award-winning website Carinsurancezoom.org provides free online quotes and offers the lowest auto insurance rates from the most reputable companies . 