Hi there. I'm sorry for your situation. Her insurance may very well pick up the tab for her bills, but they will then pursue you for whatever they have paid. Your insurance company will not pay in excess of the maximum amount .... they will do only what they are contractually obligated to do. So, ultimately, they will pursue a judgment against you. But, if you have no assets, you can then seek bankruptcy protection which will get this judgment dismissed. Bankruptcy resulting from medical bill judgments are not something to be ashamed of...they happen every day due to our health care system.
I hope this has given you the guidance you were seeking. I wish you the best of luck!
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The information given here is not legal advice. As all states have different intricacies in their laws, the information given is general only. This communication does not establish an attorney-client relationship with you. I hope this answer has been helpful to you.