Stunts doesn't use digitized sound at all. Only Adlib for both music and FX. When running on MT-32, you should indeed hear everything sounding via the MT-32, including engine and skid and crash sounds.
The only thing I don't remember is whether Stunts programs the MT-32 at start up, or just use the stock instruments as-is. If it's the latter, don't expect the SC-88 to be able to handle it. There are other games that work with the base MT-32 instrument list (e.g. Monkey Island), and that will work fine on SC-88 as well.
Turbo XT 12MHz, 8-bit VGA, Dual 360K drives
Intel 386 DX-33, TSeng ET3000, SB 2.0, 1x CD
Intel 486 DX2-66, CL5428 VLB, SBPro 2, 2x CD
Intel Pentium 90, Matrox Millenium 2, SB16, 4x CD
HP Z400, Xeon 3.46GHz, YMF-744, Voodoo3, RTX2080Ti