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Could the driver’s UM policy help an injured passenger in Mississippi?
If an at-fault driver has no insurance, can the driver’s uninsured-motorist bodily-injury coverage apply to a passenger who has a separate auto policy, or does that passenger’s own policy usually come into play instead?
I’m especially curious whether the passenger’s relationship to the driver, such as being a household member, changes which policy may respond. I know UM bodily-injury coverage is separate from coverage for damage to the driver’s car, but I’m not sure how Mississippi policy wording and any claim-documentation requirements affect the answer. What should each insurer be asked before assuming either policy covers the passenger?
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