Settlements are supposed to help accident victims recover financially — but what if your medical bills, lost wages, and other expenses add up to more than your settlement covers? Unfortunately, this situation is more common than you might think. Here’s what it means and what you can do.

Car accidents can leave you with more than just vehicle damage — medical bills often pile up quickly. From emergency room visits to follow-up care, the costs can be overwhelming. So, who actually pays those bills? The answer depends on your state, your insurance coverage, and who’s found at fault. Here’s how it works.