Would the VICTIM of an accident be responsible for paying the huge medical bills that exceeded the "no fault"

Question

...coverage carried by the perpetrator.

Answer 1

Unfortunately yes. You could always sue the perp but if he/she doesn't have anything you better hope you have good medical insurance.
It's not right but thats the way it is.
Friend of mine got hit headon by a drunk driver, she blew through the auto insurance coverage the first couple days and had to use her employer provided medical insurance for the next few months. I don't know what she would of done if she was uninsured.
This is a good reason to raise the personal injury limits on your coverage. Most minimum amounts required by states are to low and they're not inflation adjusted.

Answer 2

Whatever is not covered by the insurance company is subject to lawsuit against the perp. Pursue an unlimited civil case (small case $5k & under, civil case $25k-$5k, Unlimited over $25k) that lists the possible further medical bills & address the potential for changes... never say that you want say...$75k because the judge may very well give you more if the details fit! You may have to cover the initial costs of medical coverage but if you discuss the issues with the hospital admissions/intake worker, they may submit the bills to the insurance company anyway!

Answer 3

No, the person at fault would be responsible for paying for them themselves. They have to cover what ever their insurance does not pay. That is only if the police report lists that person as being at fault, however. If the police report lists the accident as 'no fault' then you would be responsible for paying your own medical expenses.