I found out the hard way how screwed up our laws are on accidents. 2 years ago I was hit in the drivers side by a driver who ran a stop sign. I found out you can take the person to court and sue them but they can also file bankruptcy and it wipes that out. The only thing from their insurance you can go after is the liability portion. In Indiana the minimum is 25k and that is what they had. My hospital bills were over 110k. My personal insurance covered that and I had to pay out of pocket for all hospital visits and amounts my insurance did not cover. My Health Insurance has up to 7 years to come back on me for a portion of the settlement. They have sent me letters twice seeking 20k of my 100k settlement. I have 100k liability on my car insurance and was able to get 75k of that for a total of 100k. Lawyer takes a third.