1st you have to figure out how hurt you are. If you are going to have serious medical needs or not. If not the limits don't matter. If so they do. If you will have serious medical bills as in 1000s you need to ask the bodily injury adjuster about her limits.
They will refuse to tell you but may answer "We are not concerned about the limits, there is plenty of insurance." That would mean they have higher than the minimum state limits.
In any event you do not need a lawyer now. You just had the accident. Wait to see what kind of treatment and bills you will have or have for your health carrier. Wait to see what her adjuster is like to deal with.
You can always hire a lawyer.
If you intend to go out and drive up medical bills to make your settlement bigger you will find the one making most the money will be your lawyer.
I say take your time, play it by ear. See how is washes our. Example: Lets say you have 4k in medical. Lets pretend they give you 12k. With the medical that leaves you with 8k.
Do the same think with a lawyer. Lets say they give you 21k, he takes 7k leaving 14k leaving you with 10k. He would have to get you nearly double what you may be offered to get you a bigger net payment. They usually do that with more treatment. That being the case the treatment would come off the top too making you less money.
I am just sayin.
Go slow
