No, typically your wife's broken shoulder would not be covered by the auto insurance's personal injury protection (PIP) provisions. Her injuries were due to a slip and fall outside of the vehicle and not during an accident or other covered incident under your auto insurance policy.

For this type of injuries that were sustained outside of the vehicle your wife should put the medical bills through her own medical or health insurance if she has such a policy.

PIP is meant to cover automobile accident-related medical costs. As so it covers within the specified limits of the policy, the medical, hospital and funeral expenses of the insured, others in his vehicles and pedestrians struck by him. The basic coverage for the insured's own injuries on a first-party basis, without regard to fault.