this question was previously asked and answered. you should retain your OWN lawyer to review
without a detailed review by a lawyer can all the issues raised in your question be appropriately addressed...nothing in this response should be construed as establishing a lawyer client relationship..the answers herein are for informational purposes and not to be construed as advice
...there is a special release where they can take you policy limits and still go after UIM. they put their own insurance on 60 days notice... either they accept the special release or they have to cover the policy limit pending disposition of the entire case... its complicated and you should consult with your own attorney which the insurance company will cover if litigation is filed. Fully cooperate w your insurance company... Best of luck!