how would that work. if the crash is my fault then my insurance is paying for the repair and not yours. so it does not mather if you have tesla insurance. or a

how would that work. if the crash is my fault then my insurance is paying for the repair and not yours. so it does not mather if you have tesla insurance. or are we talking about casco insurance (that repairs your car if its your fault ? ) i pay my insurance based on my age, power of the car, past accidents and the city i live. is it different in usa ?