What if medical does not cover and accident if it is your fault?

In many states, "no-fault" coverage means that YOUR OWN policy pays the medical bills, loss of income, and related services for injuries sustained in an automobile accident. This means that, regardless of who was At Fault, YOUR OWN policy pays for your injuries. If one of the parties decides to litigate because of injuries, those damages would be covered under the Bodily Injury Liability portion of the policy.