It doesn’t matter if someone else is legally required to cover the costs you incur in an accident. you are liable for the costs incurred. You sue the other ent

It doesn’t matter if someone else is legally required to cover the costs you incur in an accident. you are liable for the costs incurred. You sue the other entity to get the money to pay those bills, if they cannot afford it you still have to pay those bills. Yet another way healthcare in the US bankrupts people when they’re not at fault.