The passenger must first look to his or her own PIP (or no-fault) coverage for medical/wage loss/replacement services coverage. If the passenger does not have insurance then he or she looks to his or her household: does the passenger live with someone with auto insurance? If yes, then the passenger is covered by the resident relative's PIP. The driver's insured status does not dictate the passenger's status. However, if the driver is "an excluded" - I take it you mean he or she was not named on the policy as a driver - the passenger may have difficulty bringing a liability claim. Did the driver have the owner's permission to use the vehicle? If so, then he or she would be covered as a permissive user. However, if the driver was a young driver resident of a household - a kid using mom and dad's car - and the parents did not tell the insurance company there was a chance the kid would use the car - then you may run into coverage problems. Sometimes people try to save money by not listing a young driver on the policy. The insurance company can deny coverage in that instance.
By excluding a person from an auto insurance policy, you are stating that the "excluded" person will not drive the insured vehicle, and that you understand that the "excluded" person is not covered by your insurance in the case of any traffic violation (accident, ticket, etc.). It means there is no coverage available to the excluded person in the case of an accident while driving the said vehicle. There will be NO COVERAGE.
If they are excluded that means the policy owner has signed a specific exclusion form that says there is no coverage at all for any coverage under the policy for the excluded person or for any vehicle while the excluded person is driving a covered vehicle. It makes not difference what the circumstances are there is no coverage. I rarely do exclusions for this reason. When absolutely necessary I make sure the insured understands that even in a medical emergency or if they are just moving a car out of the way in the driveway there is no coverage at all. The person signs an exclusion so that the insurance company will not charge any premium for the excluded driver.
Having a person on your car insurance listed as an excluded driver can actually save money rather than cost more. The excluded driver will need no coverage or liability when it comes to the vehicle they are listed for.
for the driver - there will no coverage. For the passenger the same as well. It is your responsibility as a passenger, to be sure that the vehicle you are driving in is INSURED, always.
Car insurance typically follows the owner of the vehicle, not the driver. In the cae of an "excluded driver", unless that driver has his own policy that assumes coverage for a "borrowed" car, the original vehicle owner would be considered pursuable as an uninsured motorist.
Being named as an excluded driver means that you are not covered as the driver, and are not allowed to drive that vehicle. It doesn't mean that you can't be a passenger in the vehicle. If you were a passenger and were injured your injuries should still be covered under the insurance (whether or not the driver was your employer). If you were working at the time you may be eligible for workers compensation, also, but at the least your injuries should be covered.
Assuming you had permission to drive the car and you are not an excluded operator on the policy covering the vehicle then coverage should apply per the conditions of the policy.
Subject to any policy exclusion, he more than likely will be considered an insured driver and therefore coverage, however he will then need to be rated on the vehicle. (if he is an excluded driver already on your policy, then unfortunately you have a problem, no coverage for yours or the other vehicle).
As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..
If you are a first named insured on your policy then your liability coverage would extend to any non-owned private passenger vehicle you have permission to operate.
If you have comprehensive coverage on your vehicle, that is the coverage that will pay for your stolen vehicle.
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the circumstances of any accident and the owners liability under permissive use rules if the vehicle owner allowed an unlicensed driver to operate the vehicle.