Not enough collision layers - Can I use engine trace channels?

Development World Creation
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2

Try to use 2 channels for player and 2 channels for vehicles.

Channel1 PlayerNotRiding
Channel2 PlayerRiding
Channel3 VehicleNotRiding
Channel4 VehicleRiding

PlayerNotRiding Block ALL
VehicleNotRiding Block ALL
PlayerRiding Overlap VehicleRiding AND PlayerRiding / Block PlayerNotRiding AND VehicleNotRiding
VehicleRiding Overlap VehicleRiding AND PlayerRiding /  Block PlayerNotRiding AND VehicleNotRiding

and switch collision channel when they mount and dismount vehicle.

If i understood your problem and if i’m not wrong it should work