For people who are passengers in a car that was in an accident, the driver’s insurance company might cover you. The first place to look for insurance coverage is what coverage have you bought? What coverage is in place for you? If you’ve got coverage that you bought and is in place for you, that’s the coverage that’s going to apply first. Now, when you’re in a car with another person their insurance coverage can protect you and offer you benefits, but usually not until your insurance has paid. Go first to your own insurance company, if that doesn’t work then go to the insurance company for the person who was driving.