Who pays for the medical expenses when in an auto accident both insured in NC?

In North Carolina, if both parties involved in an auto accident are insured, each driver's insurance typically covers their own medical expenses under their personal injury protection (PIP) or medical payments coverage. If one driver is At Fault, the at-fault driver’s liability insurance may also cover the other party’s medical expenses. Additionally, if the costs exceed the coverage limits, individuals may need to utilize their health insurance or pay out of pocket.