Can Person Injury Protection coverage be denied to the passenger if the driver of the vehicle was an excluded under the policy?

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.