If you have car insurance, you are generally required pursuant to the terms of your insurance contract to tell your insurance company immediately if you are involved in a car accident, whether it is minor or not. Just because the other driver did not say they were injured after the accident happened, does not mean they will not claim injury later. It is very common in car accidents that someone does not feel pain until later that day or the next day.
Whether you have a legal leg to stand on is up to the finder of fact. If you file a lawsuit, you can ask the hotel to give you a copy of the report. If the hotel will not give it you, then you can ask the court to force the hotel to give it to you. In the end, it seems like your medical bills are somewhat low. Nevada has small claims court to address those types of cases.
In Nevada, which may or may not be similar to Florida, although you can "ask" for more than the policy limits, most people will just try and file bankruptcy if you try and go after them for more than the policy limits.
One of the first things you should is seek medical attention if you are injured. One of the questions that needs to be asked If the pizza place was on notice or should have been on notice of the broken seat. If you know the names of any witnesses/employees that would be helpful too, along with any complaint you made at the time of the injury.
Your sister's situation is very common. Although I am not licensed in Arizona, I can tell you that in Nevada, someone in your sister's situation hires their own lawyer. That lawyer in turn, may demand that the insurance company pay the policy limits, therefore potentially capping the amount the injured person receives. If the insurance company is unwilling to pay the policy limits and a judgment is higher than the policy limits, an insured may have a claim against its insurance company for...
As indicated by one of the other answers, if you had car insurance, as part of that insurance contract, your insurance company may have a duty to hire and pay for a lawyer for you. You need to review your insurance agreement to see if that is the case.
Although I do not practice in New Jersey, in Nevada, just because a company is going through liquidation does not mean it cannot be sued. It may be similar in New Jersey. There are issues in your case relating to you being an employee. I would consult with an attorney in your area, because you do not want to get a judgment against you if you can prevent it.
If you had car insurance of your own, you can alert your car insurance company that you were in a car accident. Although I do not practice in Memphis and am only licensed in Nevada, in Nevada, your friend's insurance would be secondary and you insurance would be primary i.e. the first one to be tapped into.