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If a carpooler riding in a car gets hurt in an accident and they are in a no fault state, would the driver ever have to personally pay for medical expenses or would only their insurer have to pay?

Question Details: I ride with a carpooler to work. The caution light for the airbag system is on, meaning they will not work in an accident. If we would get into an accident, would I ever have to pay anything out of pocket for her medical expenses or would her insurance company have to pay for everything?

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