Captain - one other note..... Call the hospital and explain the situation. Tell them you need some time and you're working it out with the insurance company. Hopefully they will tell you they will put it off 60 days or so....
I'm not crazy about attorneys either, but this sounds like a time you may need one. find one that will take you case on contingency. Basically, you don't pay if the atty doesn't get any money. The only issue with that is that they usually take 25-33%. In my case 25% out of court, 33% if it goes to court.
You may have ongoing issues with the wreck. Tell the insurance company (or your attorney) you want it to stay open. There is a lot hanging on this... Good luck!!!