I am am so sorry such a difficult chain of events in your life right now; my good thoughts and prayers are for you and your Grandma.
When I got broadsided in my Avalon form a guy who didn't see his stop sign; everything was clear cut. I am Mr. nice guy and I give the the insurance companies their chance to make good. Progressive started screwing me from the beginning ; they totaled the car way below any wholesale value; didn't want to pay for my daughter's hospital bill, (just x-rays dammit). They didn't play fair ball until i told them "I gave them a chance; and because of their behavior i am going to get a lawyer to represent me".
They then started to be reasonable....
I am sorry to say; Because of this one company's behavior, i will get a lawyer right away after any future accidents; we mere 'humans' are dealing with wolves and sharks when it comes to insurance companies.
I suggest you get an accident lawyer at the first hint of frustration; or before.