As a added driver on a policy and I had a accident will I be

I am a added driver on my parents policy and I had a wreak with my 5 yr old son 7/19 that totaled the truck, I took over payments for them when they were laid off abd have made the payments for 3 years, and also paid the insurance. people keep telling me my parents will get some type of PIP check for it, I am, trying to see if this is true? Parents told me they don't know what i am talking about, We both have medical bills and dr appts still. I am at my whits end here with all this insurance that I don't understand