The facts are unclear. You were driving your friend's car and were hit by a third party who was killed? Can you repost with more details?
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The auto insurance laws of each state are not all the same. You should speak with an attorney from Minnesota. However, if you caused the accident, there will not be any liability insurance to cover your injuries. (Liability insurance covers the person causing the accident against claims by other persons against the driver.) There may be some sort of medical coverage through the car owner's other car insurance and possibly (but not likely) through your roomate's car insurance. Also, if you are a named insured on someone else's policy (such as your parents) there may be some coverage for your medical bills. Again, you need to check with a Minnesota attorney familier with that state's auto insurance laws.
The bigger concern should be for the family if the person killed in the accident.
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