Well, that will depend on who is at fault for the car accident. If the driver in the other vehicle is at fault, your injuries would be covered by their auto insurance. If your friend is at fault, their auto insurance will cover your injuries. Either way, it is unlikely that your auto insurance coverage would be used since you are not the driver. All states require a certain amount of liability coverage for injuries the driver might cause to other people, so your medical expenses would be covered under this.

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