Who is considered a passenger under the LTO insurance?

A passenger under LTO insurance is defined specifically as a fare-paying person being transported by a motor vehicle. This aligns with the purpose of LTO insurance, which typically covers individuals who are using the vehicle as a mode of transportation, particularly those who have paid for the service. The insurance generally focuses on ensuring the safety and security of passengers who enter into an agreement, such as a fare, to be transported.

In this context, fare-paying individuals are prioritized as they represent clients that the transportation provider has a legal obligation to ensure are safe while in transit. The coverage often includes medical expenses, liabilities, and other protections for these passengers in the event of an accident.

Other options indicate roles that do not fit the definition of a passenger under insurance terms. The driver, for instance, is not categorized as a passenger, and neither are individuals providing transportation services, as they occupy different responsibilities and liabilities. Similarly, a non-paying companion of a fare-paying passenger does not take precedence in the context of LTO insurance, which specifically addresses fare-paying passengers.