The answer isn't as simple as one may hope it would, sometimes yes and sometimes no. It depends on several factors one of which is whether or not you were covered under workers' compensation at the time of the injury and did the accident occur within the scope of your employment. Also if not covered under workers' compensation then do you have a short term disability policy that covers you? If neither of these apply then probably not unless the insurance company providing liability coverage will see the light in doing so. But don't hold your breath waiting for insurance companies to pay because that would require some adjuster to grow a heart; an event not likely to occur before you starve to death. So cut down on your bills, get the spouse out of the house to work and plan ahead after you get by this accident and buy insurance.