The other guy's insurance will pay out to the limits of his auto insurance policy. My insurance will then kick in, but will try to hang onto their money just the same.
And there are some bills that we've already been lined up to pay for (wheelchair rental, purchase commode chair and shower chair). In 10 days I go home and someone's gotta be paying for a home health aid to come into the house for two wheelchair bound victims, while my wife's works full time and my other kids go back to school.
I started off already disabled, and my status was fragile due to my lung disease, fibromylagia/tendonitis, and chronic upper body weakness with obesity. This is starting to push me over the edge of what I'm capable of.
So, I've retained a very nice lawyer whose daughter goes to school with my girls. He'll let me focus on recovery instead of juggling insurance companies. He has a very good reputation.