If you are indeed a natural born or adopted child, you are entitled to settlement money. If not, you should speak to the attorney and find out what his intentions are. If he is of the opinion that you are not entitled to anything, I suggest you consult with a separate attorney to see if there are any circumstances that would allow you to recover. Good Luck
The first thing to do is contact your automobile insurance company. This is a complex matter and they will know how to handle it. This is the reason you buy automobile insurance. Your insurance company will assess the situation for you and provide you with a lawyer at no charge. Good Luck
From the information you have provided it seems as if this is only a civil lawsuit. Your automobile insurance company will appoint a lawyer at no charge to you and will pay any judgment up to the amount of your policy limits. Good Luck
Most California policies do contain a family exclusion rule. Ask the adjuster to cite you to the precise language of the policy, just to make sure there really is such an exclusion. Additionally, even if the liability coverage is excluded, you should be able to make a claim for property damage under your collision coverage, and medical bills under your medical coverage.
The $10,000.00 they referred to is their medical expense coverage, which they pay (for unpaid medical bills) up to a maximum of 10,000. They also have liability coverage, which would pay for your pain and suffering and wage loss, but only if the fall was their fault. If you can establish that you are entitled to compensation. Good Luck,