The bodily injury liability coverage of your automobile policy will not pay for:
injuries to others in your car due to an accident for which you were at fault.
Bodily injury liability coverage is designed to cover injuries to other parties (not in your vehicle) when you are at fault in an accident. It does not cover injuries to passengers in your own vehicle. For those injuries, you would typically rely on your own personal injury protection (PIP) or medical payments coverage, if applicable.