If the other driver is at-fault, your passengers are covered by their liability insurance.
If you are at-fault, and your passengers aren't related to you, then they are usually covered by your liability policy (this varies a bit by company and state).
If you are at-fault and your passengers are related to you (in the same household), then they are not covered by liability insurance. They will be covered by auto medical insurance such as personal injury protection or MedPay.
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