It depends upon what auto insurance coverages are available to your daughter to determine who would take care of her medical bills. If she has her own Michigan auto insurance policy than as part of the basic no-fault minimum state requirements than her own Personal Injury Protection (PIP) would take care of her medical expenses first or primary.

Personal Injury Protection is the part of a Michigan no-fault policy pays all necessary medical costs if you are hurt in an auto accident. It also pays, up to a maximum amount, wages you would have earned if you had not been hurt, for up to three years. So if your 18 year old daughter has her own car insurance policy then even though she was in her boyfriend's car at the time of the accident she would place a claim through her own PIP coverage.

If she did not have her own auto insurance but is living in your household than normally it would be your PIP coverage from your car insurance that she would make a claim for her medical bills.

A Michigan no-fault policy covers all family members living in the same house. Personal Injury Protection benefits will be paid even when a family member is a passenger in another person’s car or is a pedestrian when an accident takes place.

If she does not live in your household but lives on her own and was not on her own auto insurance policy or anyone else's than the boyfriend's parent's PIP should cover her. The PIP coverage of a MI no-fault policy also covers anyone who does not have a no-fault policy and is hurt as a passenger or pedestrian in an accident involving the policyholder's car.

Michigan has the most comprehensive no-fault auto insurance system in the nation. If your vehicle is insured in Michigan, you and your family will be provided with unlimited medical and rehabilitation benefits, wage loss benefits and $20 per day for replacement services for up to three years if you are injured in an auto accident, regardless of fault. So your daughter should be covered by either her PIP, your PIP or her boyfriend's parent's PIP coverage.

If those coverages aren't available, then if the other party was at fault their Bodily Injury Liability would cover bodily injury. If they are at fault and don't have sufficient Bodily Injury, then Uninsured/Underinsured Motorist Bodily Injury would pay for damages.

Confused yet? Give us a call if we can help, or file the claim with the insurance company for guidance.