Any on-the-job-injury, even if the employee is travelling away from the workplace, as long as the employee is in the course and scope of his employment is covered as follows:
-The employee's injury is covered by workers compensation insurance. But if you do not carry workers compensation insurance, then your business can be sued by the employee. You need to discuss this with an employment lawyer for details and there are alternatives to consider.
-Anyone else hurt would be covered by your...
No formula to calculate damages except this one: Significant injury like yours + no attorney = low ball settlement. Hire a board certified personal injury attorney. Your case in significant if handled properly.
You were told right. Pre-existing condition cases are tricky because the insurance company tries to say the injury was not caused by the collision. You need an attorney that knows how to handle that issue. Many don't.
They want to talk on the phone for two reasons. First, they can record you and they hope to get something to use against you, and second, they can lie on the phone and there is no record.
If you have memory loss from this collision, why on earth are you trying to handle it on your own. Get a lawyer to help you. You will end up with more.
I would have to see medical records and other things before evaluating the case. That is what a lawyer with experience can do. Frankly, trying to resolve it yourself has already made things more difficult. Find a board certified personal injury lawyer and go over everything.
There is no such thing as a multiple. To get past all the misinformation, you should get an attorney. You should be able to get a free consult and the lawyer will work for a percentage. You may be entitled to significant compensation for your harms and losses.