I think i answered you previous question. You need to look at the governing law on your credit card contract. If it is not AZ law, your tolling issue will be irrelevant as it will not be the law governing the dispute
Usually they do but technically they can put a rights of reservation on the case as it sounds like the person that hit you was in the commission of a crime. I highly recommend that you contact a lawyer. We have an LA office and you are welcome to call us for free consultation and if you decide to go with us, you do not pay a penny.
You need to get a pi attorney who can help you through this. You should explore making a claim though your insurance company and doing an asset search on the uninsured driver to see if it worth suing him. A pi attorney can assist uou with this