How were you discriminated against? The restaurant has no duty to make sure you "feel comfortable". I can not see anything in your post that evenly remotely hints at discrimination, but you should contact a local Chicago attorney to verify.
$30,000 is the limits for one person and $60,000 is the limits per accident, but you each may get less than policy limits depending on the circumstances. However, I would expect you will each take $30,000 each, as you suggested.
Sounds like you insurance company will pay policy limits, and you are judgment proof for damages over policy limits at this time, but when and if you become employed, have money in the bank, and have a house in the future, you can be garnished then.
You may have to take the other driver to small claims court. If his insurance is trying to fight your claim, then I don think waiting to see what the insurance says, as they have already said.
Best of Luck
SEC. 63-15-1. Short title. This chapter may be cited as the "Mississippi Motor Vehicle Safety-Responsibility Law."
SEC. 63-15-27. Suspension of license, registration or operating privilege for nonpayment of judgment generally.
(1) Upon the receipt of a certified copy of a judgment, the department shall forthwith suspend the license and registration and any nonresident's operating privilege of any person against whom such judgment was rendered, except as hereinafter otherwise provided in...
I agree with the other attorneys. On a personal note, maybe you and your wife should try a new life change such as move to a different appartment if possible. Sometimes a change like that can relieve some stress and maybe take away some of the tension between your family. Sometimes you get luck and make some nice new neighbors and new restaurants in the new area will give you and your wife some new things to spend time together. Anyway, I don't have any other legal advise to offer, but I hope...