If your husband was at fault, your auto insurance is key. The insurance company is obligated to pay up to the amount of coverage you have. Your personal assets may be subject to paying the losses if you don't have enough insurance. Although if your personal assets are meager, it may not matter since in that case, the victims' families will likely just settle for the auto insurance policy limit.
Not able to answer. Who is he? Who are drivers? Who is at fault? If you have insurance, let them do their job. If other driver at fault, you or someone in your family may have a claim.
I am assuming that your husband was lucky and survived. You and your husband will have to file an action against the at fault driver, owner or both drivers depending on the facts of the case. I suggest you hire a lawyer if there are injuries involved.
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