There is a critical distinction between an at-fault and non-fault accident. Whether your accident is categorised as at-fault or non-fault will have a significant effect on the financial outcome.
If you’re a non-fault driver your legal entitlement is to be put back into the same situation as your pre-accident condition, as well as damages for consequential losses and for any injury and inconvenience. This is regardless of your own insurance position.
If you are at fault you’ll have to rely on your own insurance policy. It will be your insurance company who will be restoring the other (non-fault) driver to his pre-accident position.