so if you get hit by another car , and if it 's the driver 's fault for hitting your car , if they do n't have enough of their own money to pay to repair your car and to pay for your medical bills if you are badly hurt from the wreck then you can call your auto insurance company and say , 'hey , please pay for my car repairs and hospital bills ' and you order that because that 's what you 've been paying for as a customer .