First, you should report the information to the insurance company. Second, relax, if any claim arises, the insurance company will address it and will retain a lawyer on your son's behalf if he is sued.
Since the car is titled in your son's name and he is an adult, you have no responsibility for the claim. The fact that you are on the insurance policy does not make you liable for the acts of an adult child with their own vehicle.
The person at fault is responsible for the damages. The No-Fault law applies only to personal injury protection insurance. That coverage is required and would provide medical coverage for you regardless of fault. Without that coverage you will deemed self-insured up to the first $10,000 of medical damages. The property damage to your vehicle will be the responsibility of the person who caused the crash.
There a number of issues herein. First, your PIP coverage is responsible for payment of your medical bills up to the PIP limits (typically $10,000). Bills are paid at the rate of 80% unless you also have medical payments coverage under your auto policy.
Your health insurance carrier will have a lien upon your settlement for any amounts they have paid prior to the date of settlement. If you are still treating you can still submit your bills to them without repercussion.
If you have...
If your insurance company has photographs of the other vehicle they might provide them to you but they are under no requirement to do so. Generally, your insurance company will obtain photos of your vehicle, if you have collision coverage and they will usually share those photos with you. There is no real reason why they should not share photos of the vehicle with you, if they have them, but some insurance companies are simply not that helpful. If you speak to your adjuster, you can explain...
Take a look at Rule 1.420(e) of the Florida Rules of Civil Procedure. It requires that you provide notice of your intent to dismiss for failure to prosecute and allows the Plaintiff an opportunity to take some action in the case before dismissal. I have copied the Rule below for you.
"(e) Failure to Prosecute. In all actions in which it appears on the face of
the record that no activity by filing of pleadings, order of court, or otherwise has
occurred for a period of 10 months, and no...
There is no limit to what you can seek, however, there are limits on who you can sue and the elements of damage that may be awarded.
for instance, you ask about suing "insurance". You are only able to sue your own insurance carrier, not the insurance carrier for the party that caused the crash. You can sue your own insurance carrier for benefits if you have the coverage and they fail to properly pay or adjust your claim for benefits.
With respect to the party that might be at fault for...
The Florida Bar has limits which establish the most an attorney can charge a client for a personal injury action if the case is taken on a contingent fee basis. Generally, in Florida the attorney fee would be 1/3 if the case is resolved before a lawsuit. The fee may vary if a governmental entity is the Defendant, if a lawsuit is filed, if there is an appeal, etc. You need to sit down with your attorney and have them explain the fee agreement so you understand it.
The coverage available to you on your wife's policy will be detailed in the language of the policy itself. If the vehicle that struck you was at fault however, you may have a claim for damages against that driver (and the owner of the vehicle as well). You should consult with an attorney to determine what benefits your policy will provide and to explore the possible claims against the other vehicle involved.
It is common to signed such a Power of Attorney to allow the attorney to deposit the settlement funds into a trust account. Typically the settlement checks are made payable to the client and teh attorney. It is cumbersome to obtain client's signature upon such checks and using a POA helps speed the deposit and clearance of the funds. The funds deposited into the trust account remain the property of the client. Warning: There are cases where unscrupulous attorneys have absconded with trust...