After an accident will my insurance company or the hospital be able to collect more than my yearly max out of pocket?

To answer this question we need to know who was at fault.

When the car driver lied to the police officer could that mention the accident as a crime ?

I don't believe that would qualify you for a U-Visa but it is creative. You can sue the driver who hit you.

Would I be better off hiring an attorney to help with an abstract judgment that suspended my license for 10 years?

Need more facts as to what the basis of the judgment was.

What am I looking to expect if I just bought a car on a loan last week and my wife was in an accident not at fault w/o insurance

As my colleague posted why would the bank absorb the loss by your failure to have insurance.

I have a closed cased that turned out to be more serous than investigated.

Seek out a local personal injury attorney as soon as possible.

How many days have to report a claim on accident

You should seek out a local personal injury attorney ASAP and also report as soon as possible.

You should hire a personal injury attorney so the insurance company does not give you the run around.

Who is at fault, and what can i do about it?

Need more details to give a response and in the meantime report this to your insurance company.

You need to hire a knowledgeable attorney familiar with both the QDRO and DRO procedures.

As my colleagues posted, stop posting about this, and seek out and retain a traffic attrorney.