Temporary motor insurance in british?

“Considering changing home insurance carriers. The New York Rate Bureau (NCRB) pace and quality for a coverage time from May 18″If we got in a vehicle accident no party or whatever its just us 3 within the car 2 folks got delivered to a medical facility. the driver that was at fault simply has liability insurance . are we included with all the medical charges? Like if we document a to their insurance can they do anything about it because we goin to need remedy