Your time to sue has long expired. Confirm by consulting with qualified counsel.

Yes, you may (likely) be fully at fault, partially at fault, or (unlikely) not at fault. Be sure to report this to your insurance company.

Sorry, but did you have a question?

Report this to your insurance company asap, and let the attorney assigned address your questions. (If there is a potential coverage issue, then...

You should immediatley contact qualified counsel. Sorry for your loss.

A qualified personal injury lawyer is highly important. Definitely do not speak with the opposing insurance company. Be mindful that certain...

Get appropriate medical attention asap.

Perhaps an apology; perhaps a workers compensation claim; perhaps a third-party lawsuit. Depends.

The next step following a 50-h would be the timely filing of a complaint. Settlement, if any, is a separate issue.

Assuming that you had the "appropriate" policy (and the facts as are you state) you (most likely) have nothing to worry about. Consult with local...