A passenger is generally in the best situation of anybody involved in an automobile accident because a passenger, unless a passenger is waving in the driver’s face or something, or distracting them, a passenger is usually never at fault. So, they don’t really have to worry about the swearing match between the car they’re in and the other driver. They didn’t do anything wrong, he or she is just sitting there.
They can generally make a claim against both the driver whose car they’re in and the other driver. You can also get personal injury protection, or PIP, insurance against both the vehicle that you’re in and your own vehicle. So if you’ve got your own car, and you’ve got your own PIP and your own UM, you can make a claim against that and you can make a claim against the PIP and the UM and the liability of the vehicle that you’re in.