Car totaled with liability insurance

So I bought a new truck recently back in July. I've never had a finance vehicle in my name or had my own insurance policy for that matter. I thought I got full coverage insurance when I bought the truck. Apparently I only got liability. My mother needed to borrow my truck to go to the grocery store because her car was not working at the moment. On the way back from the grocery store she was playing with a highlighter and ran off the road flipped the vehicle and rolled it multiple times. She broke her back and neck. We've got our home from the hospital now and getting her healed up. Now I've got to focus on the elephant in the room. My insurance company told me I only have liability and that this wouldn't be covered. What do I need to do what are my next steps My first instinct is burn the ground sip the ashes stop paying everything. And I know that's not the right move. My mom and dad are both recovering addicts at this time but the vast majority of my life or not so I don't know the best financial skills. Very appreciative of any advice or guidance. Edit: I called Capital One and the dealership where I bought the truck. Both of them said I had collision and comp. when I purchased in July. Fingers crossed Safe Auto is just being sketchy.