Jeebus, is this how crazy insurance claims are in the States? I guess if you want to sue or whatever you need to play your cards close to your chestDamn. Thankfully you're still alive, it sounds like you got drilled. Get well soon.
And before anybody asks, DO NOT tell us what happened until everything with insurance/courts is completed. What you might put here while on hospital drugs, might not be 100% correct. DO NOT tell anybody what happened until everything is cleared up. Oh, and get a lawyer yesterday.