I concur with the other attorneys in that you would be best served in at least having an initial conversation with a personal injury attorney prior to doing anything on the claim. That is not to say that you cannot handle this yourself only that it is fairly complex and there are many different things that you you must be aware of which cannot be adequately answered in this forum. I recommend you choose a personal injury attorney in your area and take advantage of a free initial consultation....
I recommend that you call and set a face to face meeting with the attorney you hired and get your questions answered. Be very clear with who ever you speak with that you are calling to set an appointment- and keep calling back until the meeting is set.
Document your efforts to speak with your lawyer and consider also sending an email or fax asking for a meeting and referencing your phone attempts.
You should talk to a reputable and experienced personal injury lawyer as soon as possible. You reference severe injury so many different avenues should be explored, such as coverage under the rental vehicle, coverage of the drunk driver, your own auto policy for UIM coverage and PIP and where the drunk driver got intoxicated? Was he or she at a club, and over served?
Your did not reference who has paid your medical expenses or if the hospital has a lien, and subrogation claims and liens...
In Texas the Department of Insurance has largely let insurance companies do what they want as far as claims handling practices go. You must understand that the insurance company is adverse to you and will always look for something that they don't like with your claim.
Large gaps in treatment particularly initially can be very problematic for the personal injury victim. Many times injury victims tried to "tough it out" and it ends up hurting their personal injury claim.
Some of the factors...
You should talk to an injury lawyer in the city in which the accident occurred. The problem with lost wages is they are "lost ".
It's been my experience that juries can understand the need to support your family and work while injured. You really should take advantage of an in person consultation.
There are many factors used to value a case and its best to lay it all out and let someone who does it everyday advise you of the options.
When the plaintiff files the lawsuit within the statue of limitations in Texas they have additional time to obtain service but must show "due diligence" in obtaining service if the statute of limitations is raised as a defense. If you have insurance you should turn the matter over to your insurance company to handle.