you should be covered by the person at faults insurance and if she didnt have any you should still be covered by yours, as your ins. co. will go after her for reimbursement. Make sure your wife gets all the treatment she needs, rehabilition etc before you sign off on anything, which like in my case is still active from an accident 2 years ago, just now going thru settlement negotiations. glad shes OK and will be taken care of.
