In my own experience (wrapped a car around a telephone pole, broke 6 ribs, over a week in a hospital) my car insurance covered the whole thing. If your policy doesn't, then you either chose lesser coverage or you need a new insurance company. Both choices, by the way, are not afforded to people under O'care or conventional health insurance laws. Oh, you can increase your deductible in some cases, or change companies during open enrollment, or play that bizarre "gold-silver-bronze plans" game, but the fact is you can't not be covered for all the O'care mandated coverages nor can you pick a company anywhere in the country that might be cheaper. Just a couple things that make auto and health insurance very different.