If you are in a wreck and your car has full coverage (typically meaning that your car has liability plus collision and comprehensive coverages on it) then you will normally be able to make a claim for the damages your vehicle sustained in the accident.
If you were not at fault in most states you could either make a claim through your own collision coverage or the property damage liability coverage of the at fault party. This latter type of claim is a third party claim, while a claim through you own auto insurance company is a first party claim.
If you are at fault in the wreck then you would need to make the claim through your own physical damage coverages, collision or comprehensive depending upon how the wreck occurred though typically it would be your collision coverage. When you make a claim through your own coverages you will be required to pay the deductible that you chose at the inception of your policy.
For more information on how to make a claim read the following in our articles section:
Once your claim has been placed then the claims adjuster will investigate the claim and determine if the car is going to be repaired of if it is a total loss. Your insurance agent can give you more information on your insurance carrier's claims process and what will occur if your vehicle is totaled out.