Some states require you carry insurance for your injuries to a certain financial level. (This coverage is known as 'personal injury protection'.) Depending on the state you reside, you may not be able to be compensated for injuries until after that amount has been met. After that, you will want to check with the other party's insurance company to see if that person had 'bodily injury liability.' This coverage is extra medical coverage for you if the other party was 'at-fault' in the accident. You may want to seek legal advice for your current situation to help you determine a course of action.