Question

auto insurance assessment
if medical expenses exceed pip limits, the policyholder might:
pay out-of-pocket
automatically receive state assistance
receive full government coverage
use health insurance

Explanation:

Personal Injury Protection (PIP) is a type of auto insurance. When medical expenses go beyond PIP limits, health insurance can be used as an additional coverage source. State assistance and full government coverage are not automatic or guaranteed in this context. Paying out - of - pocket is a last resort but using existing health insurance is a more common and reasonable next step.

Answer:

Use health insurance.