My mother was involved in a car accident two weeks ago. she was cited fail to right of was. the other vehicle rolled over but the passenger was thrown from the vehicle because the SUV rolled over a few times. he was not wearing his seat belt which is the law in mass. nor was the driver who did not own the vehicle nor did he have a valid licence to drive. they are both from Mexico. the passenger is now going after my mothers insurance for hospital expenses what happens if they exceed what she has on her policy and should she sue them because of the licence issues.