The extent of coverage you can claim all depends on your auto insurance policy. The two critical things to remember are physical injury liability and property damage liability. These two will take care of any injury or property damage you’ve caused to the other party involved in the accident.
If your concern is for your injury and damage to your property, you have to check your insurance policy for the following:
1. Medical payments or personal injury protection (PIP) which pays for treatment of the injury that you and your passenger have sustained during the accident.
2. Collision coverage which pays for the damage to your vehicle even if you’re the at-fault driver.