Oh yeah, I agree, Penelope. The only reason that we're holding off is because our rates will go up if we file regardless of whether we're liable or not, so reaching a private settlement *may* actually be a little cheaper. And they don't want us to file because we've told them that our insurance company has told us that they don't think we would be found liable which means they wouldn't get anything. Now, we would rather that the injured man gets the money rather than our insurance company, but they may not leave us a choice, kwim?
You need the actual numbers of what they have paid so far. If this stuff has been billed to their insurance, some states have a minimum time that insurance companies have to process and pay or deny the claims. Usually something like 30 days or more.
You should not have to pay anything up front. They haven't paid anything out of pocket yet, and you shouldn't have to pay w/o proof. Criminey, they could just keep adding to what they want.
The length of time that is needed for the insurance companies to consider the claim should buy you some time. When you do get the bills, usually the facility/ ambulance company provides 30 days for the claim to be paid. More and more these same places are also offering a 10-15% discount if the deduc/co-pays are paid w/i 10 days or so of the billing date. If he pays the bill and then asks you to reimburse, find out if this applies. Could save you a bit more money.
So all together, the above actions may buy you 60 days minimum to sort this out.