well yes, the person 'At Fault' is generally always responsible, but not enough details in your question, there are many exclusions that could apply, more info/loss details and i will try and be of more assistance.
You guessed it!
If you haven't filed a claim with your insurance company, that's the first step. The insurance company will contact the other party and do an assessment of their damages and pay for them. If the other party is injured, then they will take care of the medical bills. If you have first party coverages (collision), they will also assess your damages and pay for your repairs. If you are injured and have first party medical coverage (PIP or med-pay), your medical bills will also be covered, up to a certain dollar amount.
== == If no other vehicles were involved in this accident, the insurance company of the motorcycle driver has to cover the medical bills of the passenger who was injured.
Liability and medical insurance.
California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation for pain, suffering, inconvenience, physical impairment, disfigurement, and other non-pecuniary damages if the injured person was not insured at the time of the accident
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
If you are involved in an accident that is not your fault you can sue on several grounds. Damages to the vehicle if you owned it. Medical bills if injured, pain and suffering, lost wages, etc.
It is not clear from your question why it would even concern you, or why you would have to do anything, if someone is falsely claiming that they were injured in a car accident. If, however, they falsely claimed that you had injured them by causing the car accident in question, even then it is more likely to be the concern of your insurance company, than of you personally. The insurance company is likely to require a medical examination to get at the truth of the matter.
I cannot speak directly to Missouri law as I am not located there nor familiar. However, in every state I know of, your not having the legally required insurance would not relinquish your rights to collect for actual damages involved in an accident from the party who was at fault. You will still have to deal with the fines and such for not having your insurance but that is minor, when compared to your losses.
Why can you not get exams? If you are saying you were 20% at fault therefore will be compensated 80% of your damages/injuries, then proceed with your health care. Use your health insurance etc. What would you do if there were NO auto insurance involved at all? Discuss it with the doctors etc. They can file a lien against your ending settlement thus guaranteeing they will get paid.
medical insurance
PIP is Personal Injury Protection. It pays for your medical bills if you are ever injured in an accident. In Pennsylvania, it is mandatory you have PIP coverage.