<prompt> Human: I am a foreign citizen on a F1 visa. Situation: A driver made a sudden uturn, on the free way and started driving the opposite direction. according to witnesses.. and as a result I suffered a front to front collision on the freeway with her. I survived and she was killed on impact. God rest her soul. I dont know if it was suicide or if she was under the influence of drugs or alcohol. the toxicology reports have not been released yet.My medical bills are 200k and increasing due to multiple surgeries, and the emergency services that were provided during the accident. I was flown by a helicopter to the closest hospital I suffered a broken jaw, nose, both legs, my left arm, 4 ribs, and god knows what else. The deceased driver only had 25k medical coverage through her insurance, which is what her insurance company is willing to pay towards my medical. My coverage was only 5k for personal medical coverage.Am I completely out of luck? I can not afford to pay off the medical bill. because of this mounting debt. I am depressed beyond belief. I am wheelchair bound at the moment, and cannot get up to do anything, let alone use the bathroom without help. I know I should be grateful for being alive, but I feel instead of surviving the crash it wouldve been better for me to have died. I have no idea how I am going to pay this...My parents and family know of the accident but do not know of the bill, and I dont know how I am suppose to tell them any of this. Would declaring bankruptcy be my best option? Is that even possible for a non U.S citizen? Assistant: Another issue... I dont even know if its the right thing to sue her estate. I was told she was a single mother leaving behind children. I also dont think her estate is capable of covering much.  <response>: Youre on F1, so that means youre a student. Are you at a university and did you purchase their health coverage? Most universities require major medical and will add it to your tuition bill unless you have proof of other insurance. Unfortunately, some of the international students I know purchase some sort of international student insurance with limits on payout, and universities will sometimes allow students to use that insurance instead. Which situation are you in?Also, you should keep in mind that amounts billed by hospitals often have very little relation to the amounts they end up being payed. Hospitals are required to bill you the same amount they would bill insurance companies, and while insurance companies have negotiated discounts they apply after the fact, you dont. As a result, the billing department will definitely be willing to work with you. Im not sure how much this is going to help, because it probably doesnt matter to you whether youre stuck with a 50K or a 200K debt.I work in medical insurance, so let me know if you have any further questions. Getting insurance to cover the debt is going to be your best bet, and then you can try to negotiate with the hospital. Bankruptcy is definitely an option for you, as is returning to your home country. There are always options, and while this definitely sucks, you can come back from this. 