Borger, TX Personal Injury Law Firms & Lawyers

It sounds like your attorney issued what is known as a "letter of protection" to the medical providers so you could get the medical treatment you needed to deal with your injuries without paying for the services out of your pocket. Without the attorney promising to pay the medical providers out of the settlement, it is very unlikely that any of the doctors would have treated you, unless you paid the providers upfront. 

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.