Liability insurance covers two categories of damages: Bodily injury and property damage. The state minimum requirement is $25,000 in coverage for each, although larger policies are available. So if the driver who hit you was at least mostly responsible for your accident, their liability insurance should pay your claims up to the policy limit.
Bodily injury liability covers medical costs and other expenses related to your injuries. This includes in-patient and out-patient care, follow-up visits, physical or occupational therapy, prescriptions, and other treatment to help you get back on your feet. But it also covers travel expenses to see a doctor who isn’t in your neighborhood, mobility aids like a wheelchair or cane, exercise equipment needed for physical therapy practice you do at home, etc. Both mental and physical pain and suffering damages are also part of most bodily injury liability policies, as are damages for permanent disability or disfigurement.
Property damage liability is most often used for costs to repair a damaged vehicle. However, it can also cover damage to other personal property like a phone, laptop, or other expensive items that happened to be in the car with you when the crash took place. It may also cover your bicycle if you were hit while bike riding.