If dealt the right cards -- liability strong, good lawyer, right kinds of insurance, et cetera -- I quite like the value of your case, and would begin my evaluation with an eye towards asking for all of the insurance available.
But without the right attorney, I think your odds of getting a reasonable settlement are pretty abysmal, as it is not the kind of injury that I would expect to trigger an insurance company's good behavior. And there are some risks involved with your rights if you make a mistake in the way you handle the technicalities.
Feel free to holler. My associate is a lawyer and a registered nurse, and we handle cases all across Texas. (And I've got family just a stone's throw from Cedar Park.)
It will depend on the severity of your injuries and the amount of policy limits and whether the other driver and the insurance company is accepting responsibility for the accident.
You need to speak with a Texas personal injury attorney. For more information on personal injury cases and auto accidents, please visit the links below.
For your claim to be successful, you will also have to have competent evidence through a medical professional (physician) to establish that the accident caused or contributed to your condition. The claim would not necessarily be limited to the other party's insurance policy limits, but in many cases, the person who is at fault in these types of accidents do not have assets or other property that would be available to satisfy a judgment in excess of the policy limits. A search of the person's assets would have to be performed to make this determination. Good luck to you.
