What happens when you are at fault in an auto accident and the persons hospital more than your insurance covers?

If you are at fault in an auto accident and the person you injured incurs medical expenses that exceed the limits of your auto insurance policy, the injured person may take legal action against you to recover the remaining medical costs. This is known as a "personal injury lawsuit." If the injured person is successful in their lawsuit, the court may order you to pay damages, which can include medical expenses, lost wages, pain and suffering, and other costs associated with the accident.

In some cases, you may have to pay for medical expenses out of your pocket if your insurance does not cover the full cost. You may also be responsible for paying for other expenses, such as property damage, lost wages, and legal fees.

If you are sued, you should contact your insurance company as soon as possible. Your insurance company will appoint a lawyer to represent you in court. You should also consult with a personal injury attorney to discuss your rights and options.