What if the bills exceed the PIP coverage?

If someone else was at fault in the accident, then the liability insurance of the at-fault driver may have to pay for the bills. If the driver at fault was uninsured, then you may have uninsured motorist coverage either on your policy or on the policy of the owner or driver of the car you were in. That policy may pay the bills. Health insurance also pays when the auto insurance runs out.

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