Your pip insurance covers the first 10k I'm medical expenses. After that, if you have health insurance, your health insurance will cover. If you don't have health insurance, your medical bills will come out of the 100k policy. You should inquire where the defendant got drunk because that may be another source if recovery. Also do you have uninsured motorist coverage?
Florida Board Certified Civil Trial Attorney
Handling personal injury cases throughout the Stare of Florida...
I don't believe your understanding of Florida law is accurate. Florida law has no requirement for mandatory bi(bodily injury). That said, you need to contact the florida department of motor vehicles and determine why your license was suspended.
I would first try talking to your attorney and find out his or her thoughts regarding your case. Specifically, you need to know what are the hurdles you face in proving liability, why is the attorney demanding what he/she is demanding. You need to understand the lawyer's thought process. Of course, if you are not satisfied after meeting with your lawyer, you can always switch attorneys.
It might be considered negligent , however, I see a problem when you say "in due time". What does that mean? How long were you aware that the pedal was placed wrong. This would go toward your own negligence.
You do have a case. You need to get to a medical doctor ASAP. The longer the time period passes between the date of Incident and your first date at doctor's office, the worse it is fit your case. Good luck