Insurance policy terms and state laws differ however if you were a passenger in the car usually your auto insurance coverages don't extend.Typically, the drivers insurance would be primary and your coverage would be secondary if it does extend. This means if the driver's coverage limits or the at-fault driver's coverages were exceeded in the claims process then your insurance would be used as excess.

It is very specific to states though, because in states where PIP exists the passengers PIP can be handled as primary and then the driver's coverage is secondary.

To find out what your specific insurance policy allows in this situation you should read through the terms of your policy and speak with your agent who knows the particulars of your policy and your company's claim procedures.