You have a lot of questions here. First and foremost you need to contact your insurance company and let them know what is going on.. Secondly, if you are injured then you need to see the doctor. Third and most importantly you need to contact a personal injury attorney who can help you evaluate your situation and the facts and circumstances of the case. If you were not texting or talking on the phone then your phone records will prove that.
You can hire an attorney at any point prior to signing a release in exchange for a settlement. Be advised that insurance companies are not your friends and are out for their best interest not yours. Your decision to not hire an attorney may have already damaged the value of your case and also may have rendered your case undesirable to most attorneys. I suggest you seek a free consultation immediately with a personal injury attorney.
Obviously if you are referring to the police it would be prudent to do so as soon as possible. People disappear and facts change. As for the insurance claims, you have two years in Texas from the date of the occurrence to make your claim and if it is not resolved then file suit before the two year deadline. This is hard deadline. I suggest though that you not wait on either the police or notifying yours and all other potential parties insurance carriers. If you have any questions I would...
If you were injured then you should seek medical care. Its up to you whether to use your health insurance, those medical bills and records will be the basis for the evidence in a claim for damages related to the injuries. You should contact an attorney in order to maximize your recover in any event. Remember insurance companies are not your friends. They are out to maximize profits and that happens by not paying value on claims such as yours. I recommend that you seek the advice of an...
In Texas if you are on the job and the employer does not subscribe to Texas Workers Compensation then you may very well have a compensable claim. You only have show negligence on the employer. I would definitely contact an attorney. There are statute of limitations on filing these claims, so I would do so sooner rather than later.
If you have uninsured motorists or personal injury protection insurance coverage then you should definitely call your insurance agent. You might also consider calling a products liability attorney to take a look at the vehicle, if the vehicle is still available. Other than that you should call an attorney to at the minimum and get some advice on what other options are available to you.
There could be several things at play here. Mostly likely they are still investigating the accident or then are denying liability. I would figure out a way to get your insurance company involved. They will then arbitrate responsibility with the at fault carrier and you can get on with your life.
Lastly, you should consult with attorney. Most do not charge for the initial consultation.