If you have no complications, it would be best to be reasonable. Let them make you an offer. Then negotiate with them until you reach an amount that compensates you for for your injuries as well as pain and suffering.
Hire a lawyer immediately and sue the driver. His insurance or your uninsured motorist insurance carrier will cover medical bills, lost wages, pain and suffering and all other damages you may be legally entitled to collect.
Suggest you make a full recovery from your injuries before you settle your case. Once you sign a release you will not be able to make a claim for any additional medical expenses that may arise in the future.
If she pleads nolo contendre, it is not an admission of guilt and therefore cannot be used against her in any civil suit. Judges are reluctant to let a person use a plea of nolo contendre more than one time. She might want to save the nolo plea for a more serious charge where the consequences are more serious. Also, you should factor in how many points she already has on her driving record, and whether this charge will put her license at risk. If so, she should consider using the nolo plea.
Yes. You can be sued for the injuries and damages caused by your own negligence. The insurance on the company truck will most likely pay the claim. They will also provide an attorney to represent you in the event you are sued personally. Make sure the accident is reported to the company's insurance carrier. And, if you are ever served with a lawsuit be sure to give the documents immediately to the insurance company so they can defend you.