Divorced dad; wreck with daughter; medical bills

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What is the name of your state? Mississippi

My husband was in a car accident 3 years ago with his 14-year-old (now 17) daughter, who he has joint-custody of. His ex-wife, 1 year later, began running all kinds of medical tests, visiting doctors for absolutely everything (chiropractors, psychiatrists, heart specialists, pediatricians, etc). The car insurance policy we have will pay no more than $20,000 on the wreck. She has already used all of that money. Now, everything done after that falls on medical insurance. Anything they will not pay is split between him and his ex-wife. Despite this, she continues to take his daughter to these doctors, and attributes everything to the wreck. In our opinion, some of the problems she may have (such as seizures, a possible brain tumor, and her back) are not even wreck-related at all. In all honesty, this is just his ex-wife's way of making his life miserable.

In addition to this, his ex-wife is also now suing our insurance company because they won't pay anything beyond the $20,000. Not to mention, she is an independent Insurance Adjuster. Now, his ex-wife has stated that she is waiting for their daughter to be 18 to settle the case. We presume they are planning to sue for pain and suffering at this time. As of age 18, their daughter will be emancipated and able to handle the case herself.

Finally, the question posed is: What can we do to protect ourselves in such a situation? It's causing massive amounts of payments that are making things at home increasingly difficult. She also neglected to pre-certify his daughter's MRI, which she knew she had to do. How can we deal with someone who's creating medical bills purely to make our life hard? Any suggestions are greatly appreciated. Thank you for your time.