Over the last week, there has been 2 sad motor vehicle accidents in which vehicles with several passengers rolled over. One accident involved a prominent state senator from the Midwest. The other accident involved high school students from Chugiak.
These accidents involve significant issues for the passengers. One involves the question of whether the friend driving the vehicle was negligent in causing the accident. People may be reluctant to make a bad situation worse by saying this but the reality is that good people can make mistakes and pointing out the mistake is necessary for the insurer to make payment. If friendship is a concern, this can be done diplomatically. There is truth to the saying that, in particular circumstnaces, one can be more effecting channeling Colin Powell as opposed to Donald Rumsfeld.
The other issue for the passengers is that there may be more than one insurance company potentially responsible for paying losses. These would include the vehicle owner's policy, the vehicle driver's policy, the personal policies of the passengers insuring other vehicles if there is a potential underinsured motorist claim, and even the motor vehicle policies of other household members.
You have to play your hand smartly. See http://www.junelawyer.com/