Auto insurance policies in Albany, New York focus on the drivers of the vehicle, not the passengers. Any passengers in the vehicle are usually covered under a policy, even if they are not listed as potential drivers. Although the details of any policy may vary slightly, passengers are usually given a certain amount of medical coverage in case an accident occurs and they are injured.

People Listed in a Policy

In most cases, passengers are not listed on policies because they are not operating the vehicle. The only people listed with the company are the individuals who drive the car. That means children, friends and other individuals in the back seat or passenger seat are protected under a basic plan.

Amount of Protection

The details of a specific plan and the amount of protection provided may vary. The best way to determine how much protection is available for children and guests in the vehicle is by looking through the details of your current plan. The plan will tell when there are exceptions, how much protection to expect and the amount of medical coverage that is available.

Read through the policy to determine the exact amount of protection each individual is offered as well as the maximum amount that is available for an accident. Even a basic plan will have some protection for the driver and passengers of a vehicle.

An auto insurance policy will usually offer protection for every individual in the car, even if they are not old enough to drive or are not listed as potential drivers under the policy. To learn more about the type of situations that are covered, contact us to talk to an independent agent.