In my experience, the longer you wait to get medical treatment after a traumatic event the more issues and questions the insurance adjuster will raise. I would start treatment in an emergency room if possible.
As others have indicated, there are several factors to be considered in determining whether $50,000 is all the coverage that's available. The amount of insurance coverage bears no relationship to the value of the life that was taken. In fact, all too often there is insufficient insurance coverage for the loss of life or serious personal injury. This is why consulting with a good personal injury attorney is very good advice. Other avenues of recovery could include a dram shop action, product...
Generally such cases are brought by a personal representative of the estate and the proceeds of a successful recovery are divided by the law of the states where the action is brought. Many states would allow your friend to receive some of the proceeds but you need to check with a lawyer in the state where the action was brought.
If you have hired a lawyer and it sounds like you have, the insurance adjuster should not talk to you directly. You would have to fire your lawyer first (I am not recommending you do this) in order to talk to the adjuster about settling your claim. Even if you fire your attorney you may well owe the attorney for expenses and his or her time. I suggest you have a heart to heart with the attorney to get a realistic expectation of the time required to finalize your case. In many states you...
Typically when a health insurance carrier or a car insurance carrier makes payments for medical bills and you recover for a personal injury claim the insurance carriers will have a subrogation interest which gives them the right to get some of their money back. Check your policy to see for sure if this is addressed.
Making sure I understand the current status --- you settled your WC claim but left future medical benefits open? If so you would still be entitled to medical treatment as long as you get the treatment from the authorized physician. You still have rights but your post doesn't provide enough information to answer specifics about your situation.
Alabama law doesn't require employers to have workers' compensation coverage unless they have at least 5 employees so I'm not sure if your company had 5 employees. Also, if you weren't yet an employee because you were still going through training required in order to be offered a job, then you might not be entitled to coverage. If there are 5 employees and you were an employee then your treatment should be covered by workers' comp.