Collecting from an insurance policy is going to be easier than trying to collect from individuals but I would encourage you to talk to an attorney before you get anywhere near communicating any facts or any settlement numbers with the insurer(s). The reason is that you are probably not well-versed in how to calculate damages on these types of injuries while the insurance company has a lot of experience with these claims and how they go about negotiating them. The insurance company is an adverse party to your claims and isn't going to help you out to get a fair number.

There is a lot to consider in the valuation of these types of injuries. Obviously you have past and future medical bills. A significant facial scar on a child can result in a lifetime of emotional harm, less favorable treatment in the job market, etc. that can have both purely emotional harm and actual future financial losses as an adult, not to mention that it's probably going to be a tough ride through the teen years. That can also be affected by the ability for your daughter to undergo plastic surgery now or in the future to reduce or, hopefully, eliminate the scar. The average settlement on these kind of claims is usually around $30k but depending upon the emotional and physical injuries they can, on rare occasions, go into the six figures. I don't know the severity of the harm your daughter suffered and I hope it is not severe. It is unlikely that your daughter's injuries will be a six figure claim but at the same time the insurance company is unlikely to even offer you in the ballpark of the average if you sandbag yourself by not knowing what you're doing.