My daughter was walking and hit by a car

My daughter was walking and hit by a car traveling 30 miles per hour. She has had numerous surgeries, lost much time from work. had to withdraw from college etc. The 20 yr old that hit her only had 25000 worth of coverage. The car was registered to her mother, and the insurance was in her mothers name as well. We are in Texas and it accident was determined to be the drivers fault. Our UI will cover 50000, but bills are getting close to 200000. What do we do?