the third party liability covers the damage caused to third party by your 100 percent at fault.for the bodily injury of yourself and passenger is covered under the accident benefit coverage(section II) to a certain limit.for axample, health care cost, drug cost and disability benefit are covered up to a limited amount.So it all depends on what kind of injuries you suffer and how serious they are. get an adjuster to have it assessed.2 s4 q% ]4 B+ o7 A. b5 Z9 i) v1 H
good luck