My wife was killed in an accident ......and it appears we had previously suspended her cars' coverage ...when we called to have her insurance reinstated .we assumed it had been done ....it had not ....she was at fault in that road conditions caused her to come in contact with oncomming traffic ........can her life insurance and tiny 401 k be taken to cover the loss of the other parties vehicle and medical bills or is there any protections for this situation ?