I tmay be your insurance limits are too low to cover all the damages. You should get a lawyer. Contact your insurer and let them know about all this. An attorney should be assigned. Do not disclose anything without advice of counsel.
You might find my Legal Guide helpful "How to Choose A Lawyer For You"
You might find my Legal Guide helpful " What Do I Tell My Lawyer"
No one can know what the record is in the case because online we cannot see your documents. You need a good lawyer. Check with a lawyer in your locale to discuss more of the details.
You need a lawyer so get one.
Good luck to you.
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Not without the advise of counsel. The other side may be looking for a way to compensate the client more for the injuries if the insurance company's policy did not cover it.
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