I’m sorry to hear about the wreck, and I hope everyone is safe!
Suppose the total cost of the medical bills and repairs exceeds the $50,000 policy limit. In that case, the at-fault driver is responsible for paying the remaining costs out of pocket and can be brought to court if necessary.
Additionally, because liability insurance is designed to protect others on the road and cannot be used to cover personal medical bills or repairs, the not-at-fault driver’s $50,000 limit will not be used.