As a general rule if you are involved in an accident then you will get paid, it is called Accident Insurance not 'Totally Blame Free Insurance'. Only if it could be proved that you had in some way wilfully contributed to the accident could you be penalized, as a passenger that would be highly unlikely. If the carrying company have acted improperly the insurance underwriters will sort it out with them.
As I said, this is as a general rule and local conditions may apply.