The looking-in-looking-out (LILO) framework has enabled intelligent vehicle applications that understand both the outside scene and the driver state to improve safety outcomes, with examples in smart airbag deployment, takeover time prediction in autonomous control transitions, and driver attention monitoring. In this research, we propose an augmentation to this framework, making a case for the audio modality as an additional source of information to understand the driver, and in the evolving autonomy landscape, also the passengers and those outside the vehicle. We expand LILO by incorporating audio signals, forming the looking-and-listening inside-and-outside (L-LIO) framework to enhance driver state assessment and environment understanding through multimodal sensor fusion. We evaluate three example cases where audio enhances vehicle safety: supervised learning on driver speech audio to classify potential impairment states (e.g., intoxication), collection and analysis of passenger natural language instructions (e.g., "turn after that red building") to motivate how spoken language can interface with planning systems through audio-aligned instruction data, and limitations of vision-only systems where audio may disambiguate the guidance and gestures of external agents. Datasets include custom-collected in-vehicle and external audio samples in real-world environments. Pilot findings show that audio yields safety-relevant insights, particularly in nuanced or context-rich scenarios where sound is critical to safe decision-making or visual signals alone are insufficient. Challenges include ambient noise interference, privacy considerations, and robustness across human subjects, motivating further work on reliability in dynamic real-world contexts. L-LIO augments driver and scene understanding through multimodal fusion of audio and visual sensing, offering new paths for safety intervention.