If you are involved in an accident that is not your fault you can sue on several grounds. Damages to the vehicle if you owned it. Medical bills if injured, pain and suffering, lost wages, etc.
the driver at fault
Ask a lawyer about it.
You can.
Yes. If the passenger is hurt in an accident caused by the driver, the passenger is fully entitled to sue the driver. In fact even if the passenger is a spouse of the driver, the passenger can sue.
If the accident was your fault, the other party's insurerhas no duties owed you.
yes you can
Sue
Well Someone will sue you and the insurance will do something about it!
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Yes.
unless the person meant to do it then you can
If there is no fault, then by definition there is no negligent party - negligence implies fault.