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In this YouTube tutorial, Michael J. Swanson discusses the situation where someone injured in an auto accident has medical expenses that exceed their insurance coverage. He introduces Kevin Goldberg, an expert in auto injury cases in Maryland and D.C. Goldberg emphasizes the importance of examining the insurance coverage of the party responsible for the accident, rather than just relying on the victim's own policy. The video aims to provide insights into potential options for individuals facing such a financial burden after an accident.