In Pennsylvania, all auto insurance companies are required to provide medical benefits coverage of at least $5,000 as part of every auto insurance policy. This coverage is not dependent upon fault, but is available to pay for medical expenses dependent upon your relationship with the insurance company.
If you're a "named insured" on a policy, then that policy's insurance company will pay your medical bills.
If You're An Insured (but not a named insured) on an Auto Policy
If you're not a "named insured" but you still qualify as "an insured" under a policy, then that policy's carrier will pay your medical bills.
If You're Not an Insured on an Auto Policy
If you're not a named insured or an insured, then the policy that covers the vehicle you were in at the time of the accident will pay your medical bills.
If You Were a Pedestrian
If you were a pedestrian at the time of the accident and you don't qualify for benefits otherwise, you are entitled to have your medical bills paid by the insurance company for any vehicle involved in your accident.
If Your Bills Exceed the Policy Limits
If your medical bills exceed the limits of your auto policy, then your health insurance company should pay the remainder.