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Ask the Attorney: Distracted driving crash

Ask the Attorney, I tore my rotator cuff when some guy, who was TEXTING while driving, blew a stop sign and hit me. After 20 sessions of physical therapy, I am ...

Ask the Attorney,
I tore my rotator cuff when some guy, who was TEXTING while driving, blew a stop sign and hit me.
After 20 sessions of physical therapy, I am still in so much pain that I’m opting for surgery.
I also have to reimburse my works health plan!!
How do I get any money out of this deal—he only has a $50,000 policy (as do I) and my medical bills are going to exceed that?
Can I get extra money because he was texting?

Pete O