You have likely really messed things up by being his lawyer. Talking to the insurer almost always guarantees a far lower settlement than he should get (on average 70% lower). And where Medicare reimbursement is at issue, a lawyer also may help by negotiating the amount.
STOP talking to the insurer and stop sending them records and see a lawyer before the case is damaged further.
Verbal gifts of land have no meaning. You have at least two intestate estates to probate, and the fact that you waited until an heir died means you probably have three estates to probate. You need to sit down with a probate lawyer to prepare the three petitions, and sort through who gets what. There's no way to sell anything until someone gets the court's permission, and the longer you wait the more complex and expensive it will get.
The best way for things to go badly is to not hire a lawyer. If you were injured and there is disputred liability your chances of recovery are about zero without counsel. (If you were not injured, you let your insurer and the other driver sort it out).
It was a bad idea to hire a lawyer that solicited you. Good lawyers do NOT do that (they may advertise and promote themselves, but they don't call victims unsolicited). You should have studied about lawyers and selected an experienced one yourself.
Having said that, this is likely way too soon for a case to settle. Before any serious settlement negotiations, you have to complete all treatment and then your lawyer has to compile all your medical records.
There is probably nothing worse you could do to your family than to use online garbage like LegalZoom and the other messes you'll find online. The few dollars you may save now (and the cost of a will with a lawyer is so low that the savings will be tiny) will typically cause expensive problems later.
Small mistakes in drafting can cause immense problems. Heirs can lose their inheritance. Your executor may face added costs in probate due to granting the wrong powers or through less than...
There is no magic formula except one - claimants who do not hire a lawyer typically get offered 70-80% less than claimants with lawyers.
So if you settle on your own, expect to be badly underpaid. Stop talking to the insurer, and have a lawyer evaluate the case. What you can get depends on whether you are dealing witha top line insurer or one of the bad ones like State Farm and Allstate, how strong liability is, how bad the injury was and whether there is permanent impairment, how...
You need to listen to your lawyer. Whether you must reimburse the insurer depends on the type of medical policy you have, and on many other factors. Your lawyer has this information and no one here does. But in many cases what he says is true.
Where to start? Start by hanging up on the insurer. Every conversation you have with them will be recorded and used to lower any payout in your case. You should expect to get at least 80% less without a lawyer than with one in a typical injury case. Hopefully you have not too much harm with the calls to date. Retain counsel soon, as in immediately.
Your case is NOT near settlement. You said "I've been going to physical therapy and am currently seeking other medical help due to having sleep problems and all types of stress since accident." Your attyorney would likely be committing malpractice if he tried to settle before even knowing all your bills and diagnosis (as future bills would not be covered). Be patient. If you push him now, he may quit your case due to very unrealistic expectations. No settlement talks should happen before...