You can go down to the Surrogate's Court and check to see if a will is on file. Otherwise, you will need to find out who their attorney was who drafted the will. Some attorneys keep wills on file in their offices.
I agree with Mr. Lundeen's response. In most jurisdictions, your own car insurance protects you when you are driving a rental vehicle. In the case you described it does not appear that you were at fault.
If you were injured you have a right to make a claim against the driver and owner of the car that hit you.
You haven't given much detail here, but in general damages fall into two categories: economic and non-economic.
Economic damages are money damages. Amounts that you can show that you lost as a result of whatever it is for which you have sued your employer. For example if you were out of work as a result of wrongdoing by your employer, you could claim the amount of money that you would have earned during that time period.
Non-economic damages are generally pain and suffering or...
I would most definitely seek the advice of a qualified personal injury attorneys. In some states municipal entities such as public schools have very tight timelines within which to file a claim. You should see an attorney as soon as possible.
I'm going to give you the New York answer. South Carolina law may be different. The car insurance for the vehicle you were driving should cover you. However, that coverage will be limited to the amount that your parents purchased. If you are sued, that insurance policy should also provide you with defense counsel at no cost to you. It might be a good idea to contact your parent's insurance company to find out about coverage.
In most states you primary residence and retirement savings are exempt from a judgement in a personal injury matter. You should notify your car insurance company immediately. They will provide you with an attorney if you are sued.
An insurance adjuster is supposed to tell you the bodily injury limits of the person or corporation that casued your injury. In New York there have been many instances when insurance adjusters do not disclose all of the available coverages.
Once a matter has been placed into suit, your attorney has a right to demand the coverage including copies of the insurance policies. That's the only way to confirm the full amount of coverage available.