“offer” From Lawyer, For Severe Motorcycle Accident. Unsure Of Anything…

So long story short back in August I was in a severe motorcycle accident, guy driving a company vehicle with no license blew a stop sign and drove right into me. Police report puts the other driver at 100% fault. The accident is on video. I broke both wrists, seven vertebrae, my pelvis, and left orbital bone. Was offered 300k minus their 33% and apparently I have to pay 65000 to my health insurance company.

I have multiple questions at this point

one what’s the point in me paying for health insurance if I have to pay them back what they’re paying for in the first place when this was a motor vehicle accident caused by someone else?

Two is it just me or is this wildly low?

Do I have to accept and if not what are my options?

Edit to add missing info. -Both wrists had surgery plates and screws, pelvis had surgery big bolt, plate and screws. -lawyers been very incommunicative so that’s why I’m reaching out for advice or options.