If all four of you in a car accident are on the insurance policy will you all be looked after?

It depends on the policy Wording (what you purchased with the policy). Most governments require all cars to have basic third party insurance to be legally on the road.

Third party insurance covers all property and people damaged or injured by the driver of a car if that driver is At Fault - the "people injured" will include passengers in the car of the driver at fault.

Comprehensive insurance covers all that third party insurance does but also includes the drivers car and the driver, even if the driver is at fault. The insurance companies covering the two cars will work out between them which insurance pays for what.

Basically passengers, bystanders and drivers not at fault will get paid out by the insurance of the driver who was at fault.

However injured passengers should pursue their claim against both drivers (let the insurance companies courts decide who pays in the end) individually. They need to get their own legal representation - get their own attorney /solicitor. THEY WILL NOT BE "LOOKED AFTER" they HAVE to claim for themselves.