<prompt> Human: Last week I was hit by someone while legally walking through a crosswalk. The truck caused quite the number, and I ended up needing hip fixation surgery and I wont be able to walk for the next three months.The insurance company for the man who hit me has offered me the maximum allowed by his coverage, a total of 25,000. Unfortunately, the surgery and hospital stay combined with specialist fees total over 150,000. I tried to talk to a Personal Injury attorney who informed me that attempting to sue the individual for the remaining amount would likely do me no good. An asset check showed that the 78 year old guy has zero assets. The attorney informed me that even if I were to win a judgement against him, hed likely never pay it and potentially just file bankruptcy to remove it from his record entirely.Im just at a loss now because Im not sure what to do in this scenario. I have no auto-insurance of my own, as I do not own a vehicle. I actually just lost my health insurance coverage last month as I switched jobs.Am I really screwed financially now? Do I end up just being stuck with 100k in medical debt that I cannot possibly pay? Im at a loss here.  <response>: I actually just lost my health insurance coverage last month as I switched jobs.You may be able to sign up to continue your previous coverage through COBRA. You generally have 60 days from when you leave the job to elect to continue coverage. You do need to pay for the premium on your own but it would obviously be less than what you currently owe. 