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if youve been injured in an auto accident and your medical expenses exceed the coverage stay tuned for some important information welcome to the youtube channel of michael j swanson michael is the author of how david beats goliath and is the ceo of advocate capital and now heres michael well sadly some people are injured so severely in an accident that their medical expenses exceed the insurance coverage of their own policy to help us understand options and what might be done in a case like that ive asked kevin goldberg to join us today hi kevin hi mike so you youre well known in maryland and the dc area for handling a lot of uh auto rep cases and youve developed quite a bit of expertise on this what can someone do if their insurance does not cover all their medical expenses so first of all its not just their insurance if somebodys in an accident the first place we look is the person who caused the accident look at what insurance coverage they have oh i see and in maryland the m