Should receive for pain and suffering. Other driver charged with DUI and car totaled. Also our ins payed for hospital. Ins co says they are going to pay us directly because ins isn’t responding. No clue how much is reasonable amount to settle on.
Contact a personal injury attorney in your area immediately. Negotiating and settling with insurance companies is not something you do for a living. It's the job of insurance adjusters, and you are at a distinct disadvantage.