It is much too early to discuss settlement with the defense carrier. If you and your co-worker were "on the clock" when accident happened, you may need to file a worker's comp claim. You may still have a separate claim against the other driver. If you have medpay on your auto policy or health insurance to cover your medical bills, don't even talk to defense insurance carrier until you are done treating. If you don't have medpay or health insurance, or if you are still in...
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It sounds like they're passing the buck to the outsource company while in the meantime, you're running out of time to file. If this goes on beyond the statute of limitations period, you won't get a dime, even if they made an offer. Call a local attorney right away.
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