Harleton, TX Personal Injury Law Firms & Lawyers

If you have an uninsured driver / vehicle that caused the injuries, and you have no other persons / entities to look to as liable parties, then you are going to have to go on your own auto Uninsured Motorist Coverage (UM), and your own auto Personal Injury Protection Coverage (PIP). PIP will exhaust with a limit of up to 10K, 25K or 35K, depending on which coverage limit you had in effect. Once PIP exhausts, then you go on your general health insurance coveage, such as Premera, Regence, Group Health, etc. Your spouse may also be eligible for Social Security Disability Insurance Benefits. If so, then your spouse is also going to be eligible for Medicare. Suggest that you consult with a lawyer who does injury / disability cases.

In Michigan your husband is covered for No Fault Benefits, which includes life time medical care, under his own policy so it is irrelevant whether the other vehicle/driver are/aren't insured. So your husband does have lifetime medical benefits for conditions that are caused by the crash. You/your attorney will want to see if there was any umbrella/excess coverage available to the other parties in addition to the primary liability limit. The likely problem with your uninsured claim against your own carrier is that it won't apply if indeed there is insurance on the other vehicle/driver. If you also have underinsured coverage, it would apply, but usually offsets the policy limit you collect ($100k per your question) against the coverage you purchased, so there may not be a full, or any, benefit due from your insurer for the uninsured/underinsured coverage, but you'll need to read your policy to see what the terms of coverage are.

You make sure to get medical care, otherwise the insurance carrier will ignore your complaints of pain. Get you a personal injury lawyer. Show up in traffic court and hope the bad guy gets convicted of hit and run. The insurance carrier would normally be expected to pay a claim like this (unless the car was stolen).