While I understand your concern about costs, the attorney representing you cannot be hamstrung from doing what they feel gives you the best chance of being successful. Let your attorney do what from their experience will work to your benefit. The court will require the case to be set for trial at a certain point. But you might ask your attorney to see if the other side is willing to go to a mediation which can save you costs and the need to go to trial.
It depends on all the facts of the case and the medical records. There have been some very high verdicts in these cases, but if your ex has no assets or insurance, it may not help much to go through litigation. You should look for an attorney in your area experienced with this type of case. Try a Google search in your area. Good luck.
The trouble is, until the police report (which isn't even evidence, but is generally treated by many insurance adjusters as if it's written in stone) is issued and fault is assigned to one party or another, there has been no determination of fault by anyone. Insurance companies are right to get cars out of storage yards as quickly as they can so the car is not sold at a lien sale which you need to avoid as well. Ask the insurance company to tow the car to one of their own storage yards which...
While good jobs can be hard to come by, your health is extremely important. If your hands are dysfunctional talk to your doctor. If you can't talk to your doctor, talk to his or her nurse. If you can't get hold of anyone there, speak to the workers compensation person assigned to your case and tell them what you're going through and perhaps they'll advise you to go into another clinic or hospital for further evaluation and treatment. Good luck.
If you didn't have to get medical treatment, what you might do is report the matter to the maker of the candy bar and they may send you something, like a coupon for more candy bars if you're not sick at the thought of eating more of them. But don't send them the piece of metal. Send them a photo of it. If you send them the metal piece, you may not be able to get it back in the event your injuries worsen.
You should definitely hire an attorney. If you can't find one that takes it on contingency, you may need to hire one on an hourly rate. Both insurance companies may deny responsibility until you file a lawsuit against both drivers. Once you do that, however, you could suggest mediation through your attorney and I would suspect both insurance companies would be willing to do that to resolve the case. Mediation will save you time and money.
Just getting a new attorney won't cause the insurance company which has evaluated your case for this amount may not get you much of anything more and will also delay your case as they get up to speed. Also, there may not be that many attorneys who will want the case knowing your current attorney is entitled to most of the fee for the work they've done. Sit down with your current attorney and go over the case. If you're still not happy, talk to some other attorneys and see if they're interested.