If the automobile insurance is not enough cover the medical bill of the injured person, what is the consequence facing you? Specifically, if you encounter a rascal who has nothing wrong by medical exam and you are not sued. However, the jerk frequently visits physiotherapists and chiropractors for massages, and you have to pay the extra after meeting the amount you have insured and it is endless, what can you do to end this money sucking black hole?

Not me, just something crossed to my mind.