Yes, a passenger in your vehicle, who is also a family member, can make a claim against your insurance policy even when the accident is your fault. Texas insurance policies, auto liability policies contain a family member exclusion which many insurance companies have used to deny the claims of passengers who are also family members. However, the Texas Supreme Court has invalidated that clause, at least in part, and here's the important thing for you to know. A passenger in your car, who is also a family member, may make a claim under your policy; however, their recovery is limited to a total of thirty thousand dollars. That's the most they can ever recover.