Axtell, TX Personal Injury Law Firms & Lawyers

Let me say I am very sorry to read about your husband's injuries. They sound very serious and should be treated that way. As far as compensation goes, the Under Insured Motorist policy might be all there is to collect unless you can establish the driver's father somehow new what his daughter was doing and should have stopped her. This would help if she is on his policy and lives with him. Otherwise she is an adult responsible for her own actions. There is the small possibility to recover from the vehicle owner if there are some assets. Your PIP /UIM coverage will only pay the medical up to the amount of the contract your policy states you have. They will not pay your bills for life. You will have to rely on your health insurance at that point.

If the insurance policy excludes you specifically, or permissive drivers younger than 22 generally, then you have no recourse. If it does not, then you could sue the insurance company.