If they tender the $25,000 then they have no other responsibility. If they refuse you may be able "exceed" the $25,000 policy limits at a trial. You also want to tap your underinsured motorist policy. In some instances there is more than one UIM policy and you can "stack " UIM claims to achieve more coverage.
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In Utah the client is clearly the owner of the client file. The lawyer has a duty to turn over the file to the client upon the client's request. However, the attorney has a right to lien the settlement with the insurance company for the reasonable work done on the case if the attorney has a lien provision in the attorney/client engagement agreement.
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From what you have said this looks like a valuable case. You have an objective injury in an area of the body that may require surgery that could clearly put your case at least in the six figures if not more. You also could recover for lost wages and future lost income along with possible vocational loss and a life care plan. All of these concepts should be quantified with an expert. A litigation law firm can best leverage your case into maximizing the value of your claim.
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If he is unsecured then he has to give you the plates. Your bankruptcy attorney can file a Motion for Sanctions in your bankruptcy and you may need to report them to State licensing authorities.
You may have a civil rights case for illegal search and seizure. An important fact is whether you consented to let them in your home and to search your property. If they want to charge someone they have the statute of limitation which depends on the charge they would want to bring against that person.