There's no way to guess at settlements without knowing the strength of liability by the defendant, what insurer is involved, and details of your medical care. The one thing that is certain is that injured persons without attorneys average getting about 70% less than claimants with counsel. You really need counsel ASAP.
Oral (nuncupative) wills used to be permitted under the pre-1998 code in Georgia, but are no longer permitted, so the language of the will is what matters.
Having said that, there may be some situations where all the heirs agree to do something different than what is in the will and a lawyer may find a way to do it. This is not necessarily simple (or even appropriate in some cases) and needs to be discussed between the executor and the lawyer he retains.
Start with a local lawyer. Your house may or may not already have a right of survivorship. Depending on what the will says, and what the deed says, and your tax situation, you may be doing a probate, a years support case, both, or, in rare cases, almost nothing.
Every day that you wait to hire a lawyer and each time you talk to the adjuster you lose value in your claim. You also lose each time you delay treatment, as the insurer uses that as evidence you are not hurt. You need to go back to the doctor and you need to see a lawyer immediately.
It is possible to set up an estate like yours where much of it bypass probate. Whether than is a good idea depends on the amount of insurance, the amount of debt, whetehr your children are minors or not, etc. You need to spend some time with a lawyer, probably do need a will, and may need at least some simple related documents and planning. If your estate is not large, this will cost very little and save your children a lot of grief.
Good lawyers return calls. Many bad lawyers don't. Having said that, voicemail sometimes fails - a message could be garbled, lost or overlooked. Call him back, and if you don't get a response within 24 hours, write a paper letter AND an email and request an appointment.
You cannot sue for "could have hurt or killed me my passengers and whoever was behind me." You can only sue (if you can sue at all) for actual damages (the repair cost).
As for the warranty it's not clear from your post if you bought the Dodge new or used, and no one here has read it. If it's not expired, you make a warranty claim for repair. If not, you get to make the repair out of your pocket.
Even if you have a valid claim against someone the size of the case is tiny, so it...
First of all - get a second medical opinion from an orthopedic doctor.
Second - do not talk to the insurer.
Third - see a lawyer.
Cases where you have a preexisting condition are often difficult, but if you can prove an accident aggravated a condition, you can be compensated.
Study after study shows that people who settle cases without lawyers do far worse than people with lawyers (one study suggests that the average settlement is about 70% lower). Couple that with the fact that every statement you make to the insurer without counsel is used against you and lowers the value of your claim. Almost always, when an insurer makes an offer to you early in the process without counsel, their experts think you can get more with counsel, and they often are trying to settle...
While no one has heard the numbers, it sounds like your expectations of Chapter 13 are far from reality.
College expenses - and certainly $800+ a month - are rarely allowed by a court. In other words, he's an adult, and you are not allowed to make gifts to an adult relative ahead of creditors.
And as I am sure you read in your plan, and that's mandatory - you CANNOT miss house payments in a plan and not lose the house.
There are minimum amounts, which are calculated from numbers...