They are stalling trying to find a way to deny your claim or drastically reduce your offer. If they don't settle within 2 years and you fail to file a lawsuit, you will lose your rights. You should contact a lawyer for a free consult to get a better idea of what you need to do next.
Depending on the facts, you could get much more than that. 3x damages is just an average. Certain cases are worth vastly more money. We certainly push for larger settlements or verdicts when the driver's behavior was reckless or where, as in your case, a fact like pregnancy makes the injuries even worse. You should call an experienced Virginia lawyer ASAP!
While it is true that the defendant is responsible for the full freight medical bills if liable, the recovery process can be long and uncertain without competent legal counsel. While you are arguing with the insurance company, creditors and doctor's billing departments will be banging at your door. Do yourself a favor and get a free consultation with a personal injury attorney ASAP. Injuries cause a lot if chaos, simplify your life.