Depends on who caused the wreck. If you caused the wreck, your liability coverage will only cover the damage you did to the other driver. If the other driver hit you, his insurance will cover the damage to your car and the injuries you suffered up to the limits of his policy coverage. We don’t get to choose the insurance for other drivers, and some insurance companies are terrible to deal with. Also, many drivers don’t know all of the types of insurance they actually carry, including medical insurance on your car policy and rental car coverage. Talk to me, a car accident attorney in Albuquerque NM, and I can help you understand your coverage and the other driver’s.