Having an accident is the last thing that anyone wants to have to deal with. That being said, there are tons of expenses that come along with an accident for both you and your passengers. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the best policy for your needs every time.
Auto insurance covers a great deal and the costs and expenses of your passengers are one of them. Though your auto insurance is not going to cover every single expense your passenger incurs, their own health insurance will cover a great deal, your auto policy is likely going to award them what is considered liability for your state. This means that if liability for your state is $10,000, that is how much your policy is going to pay for your passengers. This is only if you have a liability policy if you have a larger policy or a full coverage policy you may be able to get more money for your passengers.
You will also be able to claim injury costs on your auto policy as well as using your health insurance policies to help pay for costs associated with your wreck. You should take the time to also consider that your state may be what is considered an at-fault state which means that fault for the wreck will be determined and the person at fault will have to use their insurance to cover all the expenses. No matter what your state laws say, your passenger is going to be covered to a certain degree on your policy each time they get into the car and ride with you. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you find the policy that works best for you.