In short, the answer is yes. There are ways to find out and sue the proper parties. I would suggest that you contact a personal injury attorney immediately as trucking cases are very complex and in order to preserve evidence you must act swiftly.
Could be. Need more facts to know for sure. I would recommend meeting with a personal injury lawyer to discuss your case. The initial consultation wont cost you anything. Avvo has a great "Find a Lawyer " tool that can help you find an attorney who can handle this type of case.
Sounds like you would definitely benefit from consulting with a personal injury attorney. You won't have to worry about paying your attorney up front as these types of claims are usually handled on a contingency basis. The insurance company will try to downplay your injury and get you to settle quickly so they can avoid paying you what your case is really worth. I would tell you not to speak to the insurance company anymore and get with an attorney to protect your rights.
There are possibly several places to look for coverage in this situation, but they are very fact specific. You should meet with a reputable personal injury attorney to discuss your options in detail to get the most accurate answer.
If you had auto insurance in effect at the time of the wreck, you should just send the paperwork to your insurance company. They have to provide you with a defense and pay for any damages up to the limits of your policy.
In order for an insurance company to claim the policy lapsed due to nonpayment, there are certain notices they must provide. Additionally you may have some 1st party insurance available to you. The most important thing is to get you better, and I believe that a free consultation with a personal injury attorney would really benefit you. More information is required to fully answer your question, and you can go over everything in a consultation.
These types of cases can be very complex, and your roommate's status in the country is just another facet of his case. The fact that he is here illegally doesn't mean that he doesn't have any rights. You should contact a personal injury attorney who can get all the information and advise you fully. Also, this meeting will be free and confidential. Good Luck.
You will want to make sure you don't have any lingering medical problems that can linger when you get in a wreck. A personal injury attorney can make sure that the insurance company doesn't settle for less than your claim is worth. You would be well advised to seek out an attorney early on so they can ensure that it is handled properly to make sure you all get better.
Just because you have healthcare coverage does not preclude you from recovering from the at fault party. Past medical expenses are only part of your damages. In Texas you may be eligible for other damages such as pain and suffering, disfigurement, loss of earning capacity and others. You should talk to an attorney about your case to determine what your best option is.