If I'm involved in an accident with a passenger in my vehicle, are they covered?
I'm going to be taking my neighbor to a doctors appointment and want to know if he will be covered if we're involved in an accident. I have excellent insurance with full coverage and drive a 2014 vehicle with all safety features.
In the state of Rhode Island, medical coverage is not a legal requirement to meet the state insurance law so it is optional. "Full Coverage" refers to coverage for damage to your vehicle and doesn't necessarily include any other extras like rental car, roadside, or medical. Your best bet is to contact your insurance company and ask if your policy includes medical coverage for you and your passengers. It is a valuable coverage and something you might consider adding to your policy. Best of luck!