Could this accident potentially exceed my bodily injury coverage?

Watch the updating, or the admins here will remove your question due to chatting.  They're serious about that rule here.  (Trolling is totally allowed, chatting is forbidden)  Anyway...

This accident is very likely to exceed your BI limit.  $25K is peanuts if there is a real injury.  Your policy will cover a trip to the hospital and a set of x-rays, plus maybe a follow-up doctor's visit if you're lucky.  If there's any sort of treatment program (physio), pain meds or lost income involved, you're going to pay out of pocket big time.

If the claimant is just playing Insurance Lottery, they'll probably accept the first or second settlement offer they get from your insurance company.  Let's hope that happens and you heed the wakeup call.  If you seriously injure someone in a crash, you could be easily looking at hundreds of thousands if not over a million.

It does not matter if they were in the same car and experienced the same jolt, everyone's body experiences situations differently.

- Unless you are simply clueless you know this.

There is no way to know why the passenger experienced injuries and the driver didn't.

You shouldn't talk to the individuals you were in the accident with (until you are sued).  Your insurance company will handle it.

$25K is not very much money in the terms of medical expenses.  The costs can easily exceed this. 

Can this exceed your limits?........An emphatic **YES**   

Because the passenger was injured and the driver was not injured proves nothing, means nothing.  Because one was injured and not the other is perfectly normal.  You are barking up the wrong tree if you believe that they both should have been injured or they both should not have been injured.  Give up that notion because it is making you look unrealistic.

No one here has the faintest idea of the seriousness of injuries.

You said. you felt a "minor whiplash" the next day.  Like you, the people in the other car could be fine after the accident but hurting like the blazes the next day or 2 or 3 or ?

$25,000.00 (and much more) can be "eaten up" just for one visit to a emergency room or a hospital visit or a one day stay in the hospital.

Your comments at nearly every answerer here shows  that you are a troubled individual.  Because you are not getting the answers that you desire doesn't call for all of your barking. ............... Woof, woof.

Yes a personal injury can easily exceed the $25K limit of your policy and if so you will be responsible for the balance.

In my experience, most of the time regardless of threats otherwise, the injured party will simply settle for the amount of the policy rather than endure a long and stressful court case unless they are TRUELY injured.

Your insurance company will handle any and all contact with the injured party and their lawyer if they have one.

You don't say how much is your coverage.  Your liability carrier is supposed to notify you if the dollar value of any claims exceed your coverage.  the most common injuries in rear end accidents are whiplash injuries to the neck.  treatment can range from heat and massage to cervical spinal fusion.  (retired claims adjuster)  I missed the 25/50.  I cannot form an opinion without doing a full liability investigation.  That would mean seeing the damaged vehicles, reviewing medical records and bills, and getting to know the injured party.  Sorry I cannot help more.

Reported for repeating the question over and over

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Already answered correctly. The answer is YES, it can exceed your limits. 

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Many passengers are severely injured by airbags. If you caused their airbags to deploy, perhaps that's possibly what happened. Also, in whiplash cases, if the person was leaning forward and not resting their head, neck and back against the seat and headrest when you hit them, severe injury may have resulted. Perhaps the driver was leaning back with full support of the head and torso at the time so wasn't injured. 

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You might get sued for everything you have and the court can garnish your wages for the next ten years if your insurance doesn't cover it and you don't have the means bto pay the balance. If that's the case, Epic Fail.  

AWFULLY GLAD I'M NOT YOU OR RELATED TO YOU. 

Yes, of course the injuries could exceed your bodily injury coverage. That depends on the seriousness of the injuries.

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Damage to the cars is relatively immaterial. Declining an ambulance at the scene is immaterial.

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1 - No, the damages to the passenger and driver are totally UNRELATED. I’ve seen very serious injuries to one and no injury to the other. The point of impact matters only if you run someone down on the street. If you are sitting and take a hard hit from the back, the ENTIRE VEHICLE is jolted.

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2 - How likely is it that two injured people who, perhaps, decide to treat with a Chiropractor going to have medical bills over $25,000? Very likely. If one of them decides to visit a Physician and get x-rays and/or other tests that $25,000 is going to be gone very early in their treatment (or non treatment).

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3 - You COULD be saved if THEY carried uninsured/underinsured driver insurance.

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I find what you want to hear to be very interesting. Based on your good choices in life, I do understand why you rely only on your own research and basic intelligence.

Call your insurance company.

i guess you'll find out, i would just be glad noone got injured