My daughter and her family were injured in a accident when on holiday from the UK in Florida nearly a year ago

The at fault driver was cited for careless driving (driving too fast round a bend in heavy rain crossed centre line and smashed head first into 7 seater rental vehicle
At fault drivers BIL cover is $50K per person 100K per accident

Theres an Umbrella policy too how does this feature in a claim ?

Daughter medical bills plus loss of earnings already approaching 50K and so far lawyers reluctant to help as not enough to cover their fees

Insurance adjuster is being **********************in the extreme and with the crazy Florida law etc will not pay anything till daughter is well or doctors say theres no more they can do

Need help please