If a passenger in an auto accident is a miner and does not own a car is the passenger responsible for repaying the owners PIP with the settlement to the passenger?

let me get this right, a passenger was injured in an accident, and received the drivers personal injury protection insurance im guessing for injury, and the driver want's them to pay them back? doesn't matter if you were a rabbit, and owned 5 ferrari's, if you are a PASSENGER in a car then in no way should you be liable for anything! that is why the drivers must be insured.