again, what did your agent say about this??

your agent is the first one you need to ask for help, you paid them to defend you just for this very reason. 100K is a lot of money they will not let go so easy. so your insurance should take on this for you. the other party must have investigated your financial situation well -- your networth, house value, savings, employment status, ect. I believe at least you own a house and have some home equity they're looking after. do you have a umbrella policy as well? If your insurance is giving up and try to settle $100K, and the other party wants to get more, then you definitely need to hire your own attorney to handle it for you, start from 5K or so...