Did your lawyer know about this? If your/her OB GYN can testify that the complications that she could face COULD be attributed to the accident... Go for $1 Million+ I'm not kidding and I would bet that if ALLSTATE learns about this they will be a little nicer. They may even be willing to disclose the policy limit at this point, and pay out up to the max if your lawyer ask for it just to wash their hands clean of this. But of course, you can continue beyond that and go after your own insurance, her and her boyfriend's personal assets.
Believe me, once, there's mention of a cute baby (they're all cute) and that the jury may hear of a cute baby... I hate to say to use your wife and your unborn in this way, but this is justified ammo.
By the way, lawyers usually take about 30 to 33% if SETTLED OUT OF COURT. If they go to trial then it can go to as high as 50%.
I don't know your lawyer, so I maybe stepping out of line here. But from what you've posted about him/her, it doesn't sound like he/she's the "hungry" enough. I'm not fond of lawyers, but sounds like what you need right now is someone that will say, "I'm going to ask for $3 million, I'll also suggest sueing the cellphone handset manufacturer and the cellphone carrier because she was on it while driving. Plus I'll sue the other person on the other line trying to give her directions KNOWing that she's driving while talking.".
My guess is IF this goes to trial he/she will not be the trial lawyer.