Lavaca County, TX Personal Injury Law Firms & Lawyers

You are controlled by the law of the jurisdiction where the accident occurred you would be well advised to seek counsel there. Surely there are En glish speaking lawyers in that location who would be willing to help. I don't know what "Mass Policy" refers to.

If your sister has homeowner's insurance there may be medical payments coverage ("med-pay") that will pay the medical bills. Ask her to look at her policy to see. It might solve the problem.

It appears that the defendant's attorney can assert that the collision would not have happened without your negligence: the defendant's car was stationary, and you hit it because you did not see it in time (the language the defendant's/insurance company's attorney will use will be "not paying attention to the road while driving at excessive speed"). It does not matter whether this argument is fair or a total BS, your opponent will milk it dry - and might convince the court. Depending on where the accident occurred, in New York or in New Jersey or Connecticut, your negligence might reduce the damages you can recover or, if the jury finds you >51% at fault, bar any recovery. When you "go after" the person who caused you harm, in effect, you go after her insurance company; and you can be sure that the insurance company will have an attorney defending it's money. So, even in a clear cut case, getting a decent settlement is not a do-it-yourself project. Under your circumstances, retaining an attorney as soon as possible seems like a very good idea.