You are only legally responsible if 1) you knew that your friend had a lengthy history of careless driving (a negligent entrustment claim) and 2) your friend is found liable. Its hard to prove unless your friend has a disastrous driving record. Either way, your insurance will give you and your friend a free lawyer.
The lien cannot be addresses until settlement numbers are know so in a sense you are correct; there are two separate steps. Real issue is with broken ribs, there is notice medical care; it just hurts. Settlement should be about 8 to 10 k on 2500 in medicals. Medicare will have paid about 1500 on 2500 so reimbursement is workable.
If you don't control what he does with the car, you likely have no exposure either under family purpose doctrine or for negligent entrustment. See my article below for more details.
It's a little unclear if you are asking can you recoup the difference between your workers comp wage and what your salary would have been or any wages whatsoever for the ten months. Any way you slice it though with a complex case involving two surgeries and likely permanency, you ought to a least do a free in person consultation with a lawyer to make sure you are not making any mistakes.
There is in not really a legal definition but it is a common term.
Georgia has an actual jury charge on this issue. You would be known as an "eggshell plaintiff." You take the victim as you find them. If you were teetering in the verge of becoming symptomatic but had no symptoms previously or had drastically less symptoms and the crash aggravates it to the point that you need surgery, then you could legally recover. Whether a jury would agree with you would depend on the prior pain...
The offer is likely a function of either or both:
1. dealing with a local insurer (as opposed to a national carrier) who only writes 25k policies. They tend to make offers like that.
2. The damage to the cars involved was not serious. Anything under $1,500 can cause you trouble.
That said if the other driver received a traffic ticket, the 2 year statute can be tolled (extended) for the number of days it took for the ticket to resolve. We recently had a case where we successfully argued...
The statute of limitations on Uninsured Motorist John Doe claims is two years unfortunately. (please note that there was huge change in the law 9/28 so read about the change to Georgia Statute of Limitations from the link below.) That said the change will not affect your case because they never located the driver.
Unfortunately the statute of limitations on your case ran out two years ago unless the uninsured motorist policy you had at the time was issued to you in another state and then...
Given that you have a witness, the John Doe requirements are satisfied if they corroborate your story and you could make a claim and eventually file suit against your own Uninsured Motorist coverage for your injuries. I would make an immediate appointment with your family doctor an urgent care clinic and follow their advice on further care because gaps in care, even if well intentioned can be deadly to a case. Below is a link to my post on Georgia Hit and Run issues.
As far as your friend...