Can my wife sue for more than the policy limit of the other person's insurance and will they pay?

Question Details:

My wife was hit by a tire that came off a car on the other side of the highway more than a year ago. The car has been repaired and she has more than $130,000 in medical cost due to back surgery. The driver admitted he worked on the tire himself. Do we need a personal injury attorney to help us with this? In Plymouth County, MA.

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