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.
I agree that if you are negligent, your insurance will be responsible for the damage to your vehicle and potentially the damages of the other driver.
Do not accept liability simply because you were cited with failure to yield. Call an experienced traffic attorney and see if you can beat the charge. Then call a personal injury attorney to discuss your options (if you have any bodily injury as a result of the accident).
If you have any paperwork regarding the lawsuit and settlement, you should take it to a local attorney for a free consult. Based on the information provided, it does not seem that you have further options at this point. Sorry.