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Car Insurance Question  My ex-boyfriend's daughter and I were involved in a single vehicle rollover accident, I was the passenger. If he only had liability coverage, (myself NOT being a named insured), would his liability coverage be responsible for my medical bills? We live in Texas.

Insurance company polices differ but typically auto insurance pays for damages, injuries, and other losses specifically listed as covered by the policy of the policyholder. Your ex-boyfriend will need to read his policy carefully to know exactly what it covers. He should pay special attention to the exclusions section, which lists the things that policy does not cover.

If your ex-boyfriend's daughter was covered under his policy he should contact his insurance company to see if medical expenses, for you as a passenger in a one car accident / rollover, could be covered by the bodily injury liability coverage he has on the vehicle.

If your ex had Medical Payments Coverage OR PIP (an optional type of insurance coverage in Texas) it would certainly cover him, his family members or passengers in his car, regardless of who caused the accident. If he does have this type of coverage, it is what you would likely need to make a claim under.

Since this is an ex, you may feel more comfortable contacting his insurance company yourself to get specifics on what they will or will not cover and the reason why. If for some reason your injuries are not cover, you can always get legal advice in case you need to have your medical bills paid by the driver or owner of the car.

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This car insurance question was asked on 8/2/2006
This auto insurance answer was last updated on 8/7/2006
Janie requested this car insurance solution.
Rated 9 out of 10 based on 1 vote.
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