Bill's crappy insurance paid out a max of $20,000 - which seems to be the minimum legally required by law for some states. Bill had insurance so that he could d

Bill's crappy insurance paid out a max of $20,000 - which seems to be the minimum legally required by law for some states. Bill had insurance so that he could drive to his job legally, without the risk of being arrested or losing his license due to lack of insurance. Bill may or may not be liable to cover the rest of the bill - and even then, they might have to go through court. If bill is low income, which is likely true considering the fast food job and minimum liablity insurance - he might not have to pay it back very quickly. Even if they dock his pay at 25%, it'll take some time to recoup the money. By then, the hospital will have already put this into collections. Sometimes normal health insurance won't cover such things, but it is somewhat possible Medicaid would pay for it. So, basically, Jon is screwed. The only real prize here is that if Jon's insurances covered any of his hospital bills, they are likely to take legal action themselves.