Important information is lacking. Were you in a wreck? If so, is your insurance company covering the cost of the property damage? Insurance companies typically make the check out to their insured. You would then need to pay the body shop in order to avoid a mechanic's lien being placed on your car.
You should never settle until you have finished your course of medical treatment and have a full understanding of your injuries and damages. You should consult an attorney who can increase your damage model and case value. Do not settle for pennies on the dollar!
You should not give a statement to the insurance company without legal representation. The good news for you is that if you do not have personal assets, it is unlikely that the other driver will sue you.
You may be able to recover lost wages if you can establish a causal connection between your high blood pressure and the car wreck. In any event, you should contact an attorney to have them fight for you so that your health is not negatively affected.
That is strange the your property damage limit is $7500. Nevertheless, I think the chances of the insurer or injured party coming after you for the excess amount would be very low. I do not know the specific law in Ohio, but most states primary automobiles are protected assets. Good luck.