So sorry to hear.
That happened to my dad. He put it on consignment because he couldn't show it to sell it himself. It sat in the dealer's lot for a year while he continued to make payments and insurance. During that time, he had several ER visits and money got very tight. He finally decided to let it be repo'd and less than a month later he passed away. It got paid off then.
While you are under on the value, it sounds like you are able to make the payments. If so, then I say sell it now and take the loss. You can always rent a cabin if your wife can still drive. And you won't have to worry about future medical bills, etc., making that financial loss a major complication by waiting to sell.