If you want to ask an insurance question, ask her if her liability policies cover the injured incapacity period. If you can't ask in Spanish, lost wages may not translate. When I sat in Margarita's office of Isis, she couldn't find this coverage. Generally it will not be significant. The average injured party still suffers a loss from any not at fault accident, this serves to lessen their loss. If they or their representative asks for excessive compensation, that amount may be reduced by the judge. Anytime a "deal" is not reached, then the decision will rest with a judge. The problem being is the at fault party may be sitting in jail waiting for a hearing to be scheduled. This is a big improvement over only a few decades ago, back then both sides would be held until an investigation in determining fault was completed.
If you want to ask your agent another question, ask what will happen if alcohol is considered a factor in an accident. If your insurance is invalidated by alcohol use, then you are in for a world of hurt.