Should insurance companies cover the passengers in your vehicle?

yes Passenger can claim death or permanent deseble

First you should notice that, if passengers in a vehicle are injured in a car accident, it depends on which driver was at fault for the accident in determining how the auto insurance will cover the medical bills of the injured passengers.

If the driver of the other car is at fault, the drivers in this case are required to carry minimum limits of liability coverage for bodily injury.

If you are the driver and the fault is at you, the personal injury protection will cover the driver and the passengers should have medical payments coverage to cover medical expenses.

So I think it better to increasing your insurance and add it to your own policy to cover the passengers for more safety and protection.

The motor policy should be extended to cover the car driver & passengers.

yes, passengers should be covered as this would ensure the insured is protected against any liabilities arising from the passengers as a result of the accident. i.e passenger legal liabilities.

Yes, the passengers should also be covered as they have equal risk as and when accident happens.

As the policy stand today the coverage for person inside the vehicle itself is not covered by law until and unless another Third party vehicle is responsible for that.   The matter of health coverage can be extended as an add on benefit to the policy to cover medical expenses arising out of an accident to the motor vehicle.

Regarding as the question is from health insurance side as far as I understand health policies do not exclude medical coverage while travelling in a  vehicle. 

On most basic liability car insurance policies, a passenger is not covered. Many people mistakenly think that bodily injury limits coverage will cover passengers in their vehicles. However, bodily injury limits only covers passengers in a differentcar than the insured.

Yes. The passengers has to be included for coverage. 

It depends on contract made between insurer and insured.

It depends on your type and insurance policy

Yes definitely, if the motor vehicle is covered for passengers then it is even more beneficial for a person to claim if injured.