Open Question: Best course of action to take with Ins. company ?

This may take awhile, so get a cup of tea. :) On June 14, 2009 my mother and father were hit head on by a negligent driver. CHP ruled that the other driver was at fault. There were a total of four people injured. My mother, referred to as Jane, was injured seriously and remained in a coma for 46 days in ICU. Jane then spent a total of 9 months in hospital care. Jane's medical bills were abt.