You have a lot of questions that may require legal advice. We will try to help you with some answers. The answers are dependent on your policy and your state (laws).

Your insurance company isn't responsible to pay for your total expense. They are required to pay for your damages and claims that fall under the coverage that you have on your policy. Depending on the coverage you selected, the company will pay your claims up to the limits of your policy.

Please read our article titled, Auto Accidents and Pain & Suffering.

The other party is still responsible, regardless of your insurance policy responsibilities. Your insurance company will try to collect from the responsible party, but if they don't you have the option to take legal action against the other party.

Good luck and we hope that you recover successfully.