Will the driver's liability simply coverage cover the cost of the passengers medical bills if he be to file a claim?
Also, he did not database a police report, will this cause any problems?
Answers: It's never too slow to file a police report, but one really should hold been file at the time of loss since there be injuries. That makes me wonder WHY he didn't nickname the police. . . were in attendance other factors (i.e. alcohol) involved? Tell him to phone the nearest PD or Sheriff and file one quickly, then profile a claim with his insurance company.
Yes, the driver's liability coverage will extend to passenger in his vehicle, but will solitary pay up to the edges he selected for his policy. If his passenger have serious injuries, the medical expenses may surpass the limits on his policy, and the driver will be properly liable for anything above and beyond that.
A police report should have be filed, otherwise the insurance company will own no record or proof of the coincidence. Depending on his policy his liabilty insurance may provide up to a certain amount toward medical bills of others involved, but not the driver/owner. He'd inevitability to check that out. The bills will be very expensive and if he does database a claim with the insurance company his premium will increase greatly.
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