There are not enough facts here for a lawyer to guess about the value of your case. However, your insurance company should retain a lawyer to defend you if the other side is blaming you. A personal injury lawyer will protect your interests and help you recover maximum value for your claim. An adjuster's allegiance is to the insurance company. They have an incentive to settle your claim for the least amount of money.
The pay off would generally not be more just because you win the issue of liability. The value of your claim is the value of your claim based on medical expenses incurred, injuries sustained, permanency of injuries, type of treatment received, wage loss and more. There are 2 main components to every claim: Liability and damages. What you and the other party are fighting about now is liability. Damages is a separate issue. You should be discussing this with the attorney you retained. That is what he is there for.
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