In addition to the answer below, if your insurance company tenders the policy limits, they obviously think there is some strong evidence of your liability and serious injuries from the accident. I would not object to your insurance company tendering the policy limits, as they should get a full release from any further lawsuits from the Plaintiff, and eliminate any risks of a judgment in excess of your and your father's policy limits. I would encourage any settlement by your insurance company...
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It is possible to sue. It depends on the circumstances of the case. However, if the criminal charges have been dropped, and you can prove the accuser made these allegations in bad faith, or if they were outright false, accusing someone of a crime they did not commit can be a type of slander.
You can always negotiate with you bank on a second mortgage. And yes, if you stop paying, the second mortgage company can either foreclose on your home (like the first mortgage company), or they can sue you on the promissory note you signed. If you are sued on a note, and a bankruptcy is filed, this is subject to all the rules of bankruptcy law, and it could be extinguished. Your personal financial condition is important in this regard.
Your second mortgage company can foreclose on your home, and you can lose it. However, your second mortgage company will own the property subject to the first mortgage company. Also, your second mortgage company can sue you on the note you signed even without foreclosing.
First, you need to prove negligence of the store and its employees, and resulting damages to your son to have a potential case. Research needs to be done to see if these types of allergic reactions are common with latex gloves, and was the store on notice of such reactions. Off hand, it does seem to be a difficult case to pursue, and possibly expensive.