When a person is involved in a car accident without medical coverage, this fact will affect those involved in the accident in basically two ways. If the person who is without medical coverage is found to be not at fault, the person who is liable may end up having to pay out-of-pocket for some of the other drivers medical bills if their auto insurance policy doesn't cover it all. If the person without the medical coverage is the at fault driver, they may wind up having to pay out of pocket for some of their medical expenses as well as the other driver's expenses if their auto insurance policy doesn't not cover the total cost for their injuries. In either case, if you are involved in a car accident, medical coverage will help to protect you from incurring large amounts of out of pocket expenses.