If I have only the minimum insurance, PIP & liability and have an accident not involving any other cars, will my car’s damages be covered?

I had an accident where my car lost traction, went off the road in a spin, and hit a storm drain that didn’t have a cover grate over it. It almost ripped the driver’s side rear tire off and did damage to the undercarriage. Driver’s side side air curtains also deployed. I don’t have an estimate yet. Insurance company said it would not be covered because I only had the minimum insurance on it. I did not know this when I got the insurance. I’m 55 years old and the car is a 2010 Honda Civic with approximately 34,000 miles.