Let your insurance company handle it. That's what you have them for.
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In my state, we tell everyone to make a copy of everything you have received attach it to a letter completely explaining everything you have learned to date. Send it via certified mail return receipt to your insurance company. Include your name, address, phone number and claim #. Demand that they indemnify and defend on this claim. Request that they respond in writing. Call a local lawyer and see if this is the same for your state. Hopefully, he will give you a free 2 minute consult.
When you buy insurance, generally you are purchasing indemnification in the event a judgment is entered and defense of that claim. Turn the matter over to your insurance company. Do so in writing via certified mail return receipt. Request they respond in writing. Call a local car accident attorney in your area to verify the law of your state.