You need to make a police report, especially when there is substantial damage. You don't usually need a lawyer for a non-injury case and most lawyers don't handle property only matters unless the vehicle is very valuable.
Report the incident to your carrier, they will resolve the dispute with the other driver's carrier. If you don't have collision coverage, you will be left negotiating with her carrier on your own.
You may have both a workers' comp and personal injury claim. You should schedule an initial consultation with a personal injury attorney and bring all your documents to him/her for review. Do not speak to insurance agents and claims adjusters from the city or their insurers.
We all offer free initial consultations and work on contingency fee (we are paid a portion of recovery).
As Mr. Hoffman and Mr. Kasher have already stated, you really need an attorney for this type of accident if you want a fair settlement. Insurance companies employ professional negotiators, they settle claims for the minimum possible every day. Unless you are a professional negotiator, you will be at a distinct disadvantage.
Not only does an injury attorney help obtain a fair resolution, we also resolve liens, subrogation claims, and the many other aspects of an injury case you are likely...
Owners of dogs are almost always responsible for bites under the Animal Care and Control Act. That said, they don't normally offer money without you taking action. You need to hire a personal injury attorney who will evaluate the matter, issue a demand, and file a lawsuit if necessary. Consult with a few attorneys and choose one you like.
Responding to your comments under Mr. Hoffoman's answer:
A diagnosis of acute nausea is not going to give rise to a cost-effective lawsuit. You can try to convince McDonalds to pay for your medical bills. They may or may not. I strongly doubt you will get anything greater than that.
With regard to the offender - you can report her to the police. Poisoning a person is a serious crime.
Once you settle, you will get no further recovery. I'm assuming this was a formal settlement with lawyers involved or at least the insurance company of the other driver. If so, I'm sure you signed a release which would bar you from suing again.
Sounds like you husband has a very severe injury, which is unfortunate and no amount of money will adequately compensate.
It seldom make sense to go after a person's assets unless they are extremely wealthy. Both their home and retirement accounts are protected in various ways.
You can decide to hire a different lawyer if you are unhappy, but, in more cases than not, accepting the policy limits is the wise decision.
You should ask your lawyer the rationale for accepting the policy...