Please tell me you hired an attorney. Your due compensation buddy. Pain and suffering, lost wages, medical bills, potential permanent disability. Even if the insurance policy has a cap, it may be part of an umbrella that could offer additional compensation. On top of that, the driver who hit you was 17 years old at the time of the accident. Her parents/legal guardians who are most likely the main policy holders can have their assets gone after as well.

This may be shit you already know or have been told, and probably have counsel, however I just wanted to throw that out there because it is something I deal with in my occupation and I wanted to give you that from the stand point of experience.