What do you think the jury will decide? Do you think if they found she was a passenger yet still awarded her $2MM, do you think the insurance companies will stick the owner and pilot with $800k?
If this is a tort case, there would be no right to sue the carrier directly, and the jury will never know what the policy limits are. The judge will exclude any evidence of insurance limits, and would likely grant any motion in limine to prevent anyone from even attempting to make any mention of it in the presence of the jury, subject to major sanctions for ignoring the order.