What happens if you are at fault in a car accident?

If you haven't filed a claim with your insurance company, that's the first step. The insurance company will contact the other party and do an assessment of their damages and pay for them. If the other party is injured, then they will take care of the medical bills. If you have first party coverages (collision), they will also assess your damages and pay for your repairs. If you are injured and have first party medical coverage (PIP or med-pay), your medical bills will also be covered, up to a certain dollar amount.