You may call your local county bar association and ask them for a list of attorneys that do this type of work, and offer a free consultation. I also offer a free consultation.
Ajay Kwatra, Esq.
You still have some options to collect more than the policy max. It may require bringing a law suit personally against the driver. From what you have written, this option should be explored with an attorney that can review all of the facts and help you make the right descisions on how to proceed.
If you need health care now, then going for help one month or one year later and saying that you needed it now will not be a very successful argument, should you not be able to settle your case.
Step up and take this situation seriously, or you will probably blow it for yourself. Too many people procrastinate, get worse not better, and then make a mess of their "personal injury" case. You have a case!