Collecting automotive claim from accident?

after being the vicitm off p the buck between insurance companys, finally one has stepped up to bat and is willing to settle the claim. Fill you in on background, driver at fault ran stop sign, was sighted. Driving grandmas car from south carolina,grandmas insurance didnt want to pay, tried to force drivers , failed, and then took liability. (shew) When i first was approached by the insurance company, they asked me right off the bat how extensive were my injurys. I told them the questions were to be refered to my lawyer. (the are severe) i then told them i wanted to settle the van and that my lawyer was not representing me on that portion off the claim. he refused and said he woulndt speak to me about it . Also told him that he didnt represent my wife in her claim either, still refused. 24 hours later (after talking to my lawyer) they called back and wanted to settle. i will be happy to get the vehicle payed off and not owe (my ins. companys figure was 200.00$ to the positive). Yet this leaves me with no vehicle or a down payment. Is there anything i can do to make this different? Also what is my wifes claim worth? She had airbag burns on wrist , bruises on face, knees. and roughly 1000.00$ off medical bills. She was the driver, iwas the penger. if it matters it was a 50 mph impact total loss of both vehicles. impact was on my side (penger)