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

You are responsible for any cost that exceed your policy limit. If this is the case, they can take you to court. Depending on the state you live in, wage garnishment is a definite possibility. In certain state, they can make you sell your home to use the asset to pay someone's medical bill in such instance. Do yourself a favor and get an umbrella liability policy. Such a policy will coverage any shortage on your auto insurance in increments of $1 million dollars. Contrary to belief, they are rather inexpensive. Typically costing only a hundred and fifty or so a year...