Your own health care coverage and automobile medical payments insurance coverage (if injured in an automobile accident) should be used to pay your medical bills even if you were injured by the fault of another party, as described in answer to question number 1 above. Your own insurance company’s collision coverage my be called upon to pay for your automobile property damage, if applicable, regardless of fault, as described in answer to question number 5 above.
Additionally, if you purchased uninsured/underinsured motorist coverage under your automobile policy, that coverage comes into play to the extent that the accident was caused by another party’s fault. If the at-fault party is uninsured, then your uninsured motorist coverage covers your injuries and damages to the extent you have such coverage. If the at-fault party has insurance, but the limits are insufficient to fully cover your damages, then your underinsured motorist coverage provides you with additional coverage, above those limits, for your injuries and damages to the extent you have such coverage.