New York PI attorneys- I have a client that was in a limo with 5 other people. Limo is struck by a car. Car BI policy is exhausted. Can the 5 other people make claims for SUM/UIM with the limo insurance carrier?

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Yes

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The initial thought is limo is primary and there's would be secondary, but offsets and everything will depend on language

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Should be able to if their was a policy but it is a livery company so the policy language needs to be examined but I would expect their own personal UIM policies could apply but then again their is likely a non owned car exclusion.

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