Now that you have an attorney involved,...and the insurance company is being a jerk, make sure you get everything you can get.
We had an episode a few years back at a Halloween cornstalk maze where the youngest came out of the maze, turned the wrong direction and smacked her face right into a farm implement parked next to the maze. We rushed her to the hospital because she gashed right above her eye. When we went back to the farm to ask them to pay the hospital bill, they all denied it happened.
Well that just p....d off my wife big time.

Long story short,....instead of them paying the bill, we sued them, settled out of court and the youngest collected over $20,000.oo

You tried to be reasonable,........now screw the insurance company.