If you have an attorney you should direct your question there. If not, I STRONGLY suggest consulting an attorney RIGHT AWAY. Please view this video as it may prove helpful when answering your question:
It is difficult to give an accurate evaluation based on the limited information provided. I highly recommend contacting an experienced attorney to review all the facts and help point you in the right direction.
You NEED to find an experience attorney and call for a free consultation right away. DO NOT try to settle this on your own...insurance companies (although they claim to be "on your side) will only take advantage of you. Please check out this video...it will prove helpful: http://www.youtube.com/watch?v=DS0b7DZjBDY