Oh, wow! I'm so sorry to hear that. All my best to you both.
The driver's car insurance should cover it. Don't let them tell you otherwise. Although nothing can change what has happened, how you both handle the future is in your hands now. I'm not one to sue either but I say litigate if you must to recover your financial loses. This is not some small scrape.
I've been through something similar, only in my case, the other guy had no insurance. It took me a lot of years to recover financially. It's not just the immediate future you should worry about. (after over 15 years, I'm still having to overcome/adapt to some major physical limitations caused by the accident- and do it on my own dime. ) Do what you have to do.
Here's hoping for a speedy and full recovery. I'll be watching for updates. My prayers are with you both.
-X.