You need to contact an attorney. First, you need an attorney to make certain that your insurer acts in good faith in handling the claim. Second, the insurance laws changed late last year so your available coverage may depend on the date of the accident. Third, an attorney will be able to guide you with regard to treatment, timing and valuation of the claim.
Your situation is pretty fact intensive and a lot of factors determine fault, or percentage of fault, including the other driver's version of events. I hope both drivers are insured. Report the accident to your insurer and let the company worry about fault.
Simply, a medical provider must be able to state to a reasonable degree of professional certainty whether a given inury relates to the event giving rise to the claim, whether the injuries are permanent in nature and to what extent; and whetherh the patient will require future treatment and to what extent.
You should really consider consulting an attorney. First, based on your summary, it sounds like your and your husband's injuries are potentially more serious so there may be issues related to future treatment, surgery, wage loss, etc. that should be evaluated by an attorney. Second, without specific details, I hestitate to advise anyone to resolve a claim too soon because injuries occassionally re-appear weeks or months after a person believes he/she has resolved. Third, relative to your son's...
You should seek immediate medical attention and take photos of your injuries. Then, contact a personal injury attorney to get a handle on the details and circumstances of your potential claim. You are not obliged to cooperate with, or speak to the school's insurer. And, assuming you hire an attorney, he or she will likely discourage you from giving a statement to the adjuster.
Assuming the other driver is at-fault, his/her insurance should cover the repair. You should get your own repair estimate to evaluate whether the claim is being handled fairly. You probably should at least touch base with an attorney to make sure everything is on the level.
The statute of limitations is 6 years for UM/UIM claims. I don't know what you mean by "dollar one". If the tortfeasor is the county, the county should have coverage to $250K for a car wreck. Whether underinsured coverage comes into play will depend on your policy and injuries.
You are legally responsible for the lesser of the cost of repair or replacement. Both of you and your landllord have competing rights to choose the manner by which to fix the fence. You could tell your landlord that you will pay the repair estimate of your contractor. Your landlord does not have to agree to that resoluation, however. At the end, it is really a cost versus headache situation. In addition, you may want consider your long-term relationship with your landlord.
You need to seek immediate medical care to evaluate the extent of your injuries and to check on your prenancy. Then, you need to contact an experienced personal injury attorney. Whatever monies may be available to you will depend on the severity of your injuries and extent of your treatment.