Here's my question- my husband is self employed and he dayworks for local ranchers. He got bucked off his horse while working for a rancher on his property. The ranchers insurance says they will only pay $10,000 on medical bills but we have upwards of $50,000 in bills. He was lifeflighted and stayed in icu with massive concussion with hemmoriging on the brain. Is it feasible to sue the ranchers insurance company?