can i counter sue for fees and should i get my own lawyer

I hit a pedestrian about 2 years ago 13 y old girl happened at 923 pm. She was running across the hwy NO were near a cross walk and no street lights. The accident officer measured and said she was 99.999 per ent her fault. Now my insurance company is fighting for me as I'm being suide for more than my coverage. Mshould I get my own lawyer to represent me they are trying to say I was on a mission which I was not I was going to dicks sporting goods to get a jersey for me and possibly my feince not sure where there coming up with that. Also the kids from the inner city were with her at the time they called her name to come back accross the street and that's when she ran directly in front of me wearing dark clothes I did not see her until it was to late. The other boys also stated they see this all the time they always run across street and kids get hit. Am I able to countersue for time missed due to trial and court and attorney costs.