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I was recently in a car accident where I sustained serious injuries ?

I was recently in a car accident where I sustained serious injuries - including a head injury with the potential for permanent brain damage, facial scarring, and a severe case of PTSD. My medical bills are mounting and while my car insurance and my health insurance are covering them for now, they have both stated that if I settle with the other party that I am to reimburse them immediately out of that settlement. I just heard from the responsible parties insurance company who has said they are willing to pay the maximum amount of the policy limits - which happens to be the lowest possible amount allowed in Georgia, $25,000. This will barely cover what I would currently owe back to my car insurance and health insurance companies, but I would have nothing for further treatment and certainly nothing towards pain and suffering. The insurance adjuster for the responsible party stated that I could get a lawyer if I wanted but there is no way I can get any more than that 25K offered - does anyone know if that is true? I am not looking to "make money" off of this but I would like all of my medical bills to be covered and feel pain and suffering is not unreasonable as I almost died,

Would appreciate anyones advice on if a lawyer could seek out more than the policy limits. The person who hit me does not seem to have any additional funds if I were to sue them personally, I sense that would be an effort in futility.
I appreciate the advise on uninsured motorists - the adjuster from my company has said it does not apply, A) b/c the other driver had insurance, even if it was not enough and B) b/c they filed my claim as comprehensive, not collision. The at fault parties car did not hit me directly - they lost a wheel while driving down the interstate, that wheel crashed through my windshield and roof hitting me in the head. I'm grateful to be alive but absolutely infuriated that I pay for uninsured motorists but yet my adjuster will not let me file a claim for it. Could he be lying to try and save money for his company?
Regarding paying back insurance - I have received letters that I am responsible for paying back health insurance directly from my bodily injury settlement. Am I able to not pay them and pay myself a "fair" amount for pain and settlement or save it for future medical bills? (Not sure how fair would be determined though). I just don't want to end up being sued for insurance fraud for keeping my settlement instead of paying back insurance. I've been told by various adjusters that in most states insurance would go after the at fault parties insurance on their own, but that in Georgia I am responsible by law for paying them back immediately after reaching settlement. It doesn't seem fair if the settlement doesn't cover those bills.