Reader question:

If you’re riding in a car and they get in an accident, and you’re not the driver but just a passenger, then whose car insurance coverage takes care of you, theirs or your own?

Michelle

Thank you for asking, Michelle.

It will depend on who is at fault in the accident, but it will almost never be your own car insurance coverage. You see, the required minimum for almost all states says that you have to have coverage for the damage done to multiple people, which would include passengers. So, if you get into a car insurance accident, you would be covered under that type of car insurance coverage.

Cheers,

Fashun Guadarrama.