As a Pennsylvanian who has been involved in an accident while in a chauffeured vehicle, it leaves you in a bit of a complex situation. You may also be wondering exactly who will be picking up the tab in the event that someone is injured, whether that person is you or someone else in the other vehicle.
Fortune relates a story in which one passenger was in a vehicle driven by a company driver when that driver hit another car. Though no injuries were reported, there was significant damage done to the other vehicle. In this situation, the passenger wondered if they would be involved in the insurance proceedings. The passenger was not, and you shouldn't be either due to the fact that you aren't driving the vehicle, nor do you own it.