Motorcycle Accident Claim

[psychson]

My question involves a traffic accident in the State of: CALIFORNIA

While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to yield to the pedestrian in the crosswalk."
At the time of the accident I was riding about 30mph since it was a busy street. I did not hit the pedestrian until I had I slammed my brakes, but the motorcycle did not completely stop and I hit the pedestrian. I was not as bad as it may sound. The pedestrian was able to walk, did not want paramedics and only got into the ambulance and to a hospital check up after the second police officer insisted and said that he must go to. Apparently he was fine, apparently no major injuries, if any maybe a bruised arm.
Too make a long history short, my insurance is now claiming that the claim has exceeded my coverage limit (bodily injury: 15,000 each person - $30,000 each accident). So, as I said before, I don't believe the person got any more hurt than I did, but we all know that traffic/accident lawyers can screw you over.
Anyway, I am here wondering what I can do to help myself.
Can I request from the insurance an itemized bill for all the expenses this person is claiming? Don't I have the rights to know what I will be paying for if my coverage is not sufficient? And what if I don't have the extra money to pay for what they are asking? Can they garnish my wages or only if they sue me? Do I really need to spend money that I don't have to retain a lawyer to fight this claim?
I really need some advice.
I'd appreciate it.
Thanks.

[Mr. Knowitall]

You can ask the adjuster for anything you want to ask for. They'll either give it to you or they'll decline to give it to you, so be nice.

If you're sued, you'll learn all about the injury claims through the litigation process.