BTW, thx for the rational perspective...
To adjust the formula I gave for the present value of the death of a motorist to include deaths to other parties, all that would have to be done is to obtain figures on the number of NON-driver deaths, via motor vehicle, per million miles per annum, then add the appropriate factor. It's a straight proportion, nothing very fancy.
The resulting figure is going to be VERY tiny, tinier than the single-driver calc, so I'm not too worried about omitting it from my post.