Sunset, TX Personal Injury Law Firms & Lawyers

Insurance pays only up to whatever limits are present. After that they have no liability. You can sue the driver for assets beyond the insurance, but it is unlikely she has anything beyond what she could protect if she filed bankruptcy. Maybe her parents would be liable but unlikely. Sounds like all that would be there is her father's insurance limits. There is no mechanism I know of to pay your husband's medical for life, except for health insurance. You need to sue the driver to get to her parents' insurance.

If you are Pro Se you should attend any and all hearings on your case so that you understand what the situation is and where you currently stand with the lawsuit. As far as working out a payment plan I do not believe that there is a requirement that either the original creditor or the debt collector work out a payment plan. As far as the MSJ, you can attend the hearing and argue that they do not have enough evidence for a summary judgment and the matter needs to go to trial. However, this would depend on how the questions to the discovery were answered. I would suggest consulting an attorney so that they can possibly object to the summary judgment evidence and push the issue to trial. They can seize any assets that are not protected by Texas law. The 401K should be protected but they can file a writ of garnishment against your bank and seize any money in your bank account. If you have substantial debts and not a lot of assets you should consult with an attorney about possibly filing a Chapter 7 or Chapter 13 bankruptcy.