Yeah, your auto insurance generally won't cover your personal injury costs if the accident is your fault. (Except maybe Medical Payments coverage which I've typically found to be $5,000 - $50,000 of coverage.) If the accident is someone else's fault, you'd probably be covered, either by their liability or your uninsured/underinsured protection.
I still say wanting more than $2 million of lifetime health benefits is paranoid -- unless maybe you know you already have a serious disease or illness (in which case the insurance company isn't going to oblige you anyway).
* First, how much of that is the top price that the hospital/doctor charges, versus the actual negotiated price of services. A doctor may normally charge $500 for a service but their negotiated rate with your insurance company may be $200. You'd only be responsible for the negotiated rates.
* Second, how much of that is drugs? The drug benefit maximum is often different (and much lower) than the medical benefit maximum. This is where you may hit a wall.
* Third, if push comes to shove, you can always switch insurance companies -- even to a high-risk state pool if necessary. Also there is a very good chance hospitals will forgive some of your debt if you have an extreme circumstance.
* Fourth, would you need any procedures that are considered "unnecessary" or "experimental"? Getting sky-high medical coverage won't help a bit here either because your insurance company isn't paying anyway.
* Finally, and most importantly, we're talking about a rare situation. You can spend your entire income on extra insurance for things (and still miss something that you actually could've used insurance for). You have to ask yourself what risks are actually worth insuring.
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