回复：问问关于车祸理赔的事情，多谢关注

IT'S HARD TO SAY. maybe you need talk to a lawyer.
most time auto insurance pay out is 80 %. sometimes the hospital will go after you for other 20%. you need make sure the hospital are going to wave it. otherwise you may have trouble later, it can be thousands of dollars.
if you have a lawyer, he will make sure you don't need pay anything.