Joyce Novotny Prettiman from Quatrini Law Group explains that in Pennsylvania, your auto insurance covers medical bills after an accident, not the at-fault driver. You must have a minimum of $5000 in medical coverage and should consider purchasing more. If you have private health insurance, it can help once your auto insurance is exhausted, but it may seek repayment from your settlement. Quatrini Law Group is available to assist with these issues.