Regardless of your insurance, her insurance should be willing to give you reasonable coverage for a rental until things are decided. You may not get a truck unless you can show your business relies on one.
Don't be too-quick to settle for damages until you have more info on the long term outcomes of your physical states. Insurance companies count on desperation, greed, and need to force hasty decisions.
FL is a no-fault state. The wrecks I have had in the recent past, (none my fault) the ins. co of the person who hit me always provided me w/a rental until my car was repaired. Yes, I said 'wrecks,' multiple accidents due to poor driving, and one I didn't get to claim because it was a hit/run in a Sears parking lot on the day after Thanksgiving, about $1500 damage to the rear of the truck. I keep my insurance for 'the Big Ones.'