Can I get sued if I'm the owner of the vehicle but was not driving?

My boyfriend was driving my car, which he usually does when I'm with him. We were on our way to his house, and he lives farther south than me. Well we were expecting a winter storm soon and on the way there it started snowing real bad. He lives off of a country back road so when we got off the highway, the road was bad. About 5 minutes down the road, we lost traction and the car wouldn't follow the turn we were coming up to. So we ran off the road, went down a steep hill and headed complete impact into a concrete wall that is along a creek. The back two passengers and I were able to get out the car with moderate injuries. But he got pinned to the steering wheel and was in critical condition. He was in the hospital for 9 days, had to have a rod placed in his leg plus many more injuries, won’t walk for about 3 months and he has to have therapy. So I know for sure, his med bills will be well over 100k. My insurance covers licensed drivers and we both have full coverage. Well when I talked to my insurance adjuster she said I only have $1000 per passenger to pay towards their medical bills? Mine alone are $2500. So they wanted me to make a claim on his insurance to cover the rest of the medical for everyone. But his company said he didn’t need to make a claim. So I made the claim with them and the lady I talked to said that in this situation the driver is responsible, but I read that the owner of the vehicle would be held fully responsible. My boyfriend knows how they try to screw you in situations like this so he just wants all of our bills paid for, and my car replaced. When he talked to my adjuster she was practically saying his bills won’t be paid for and that his company is paying my car off. All I will have coming back is $267, after the car pay off. His lawyer wants to sue me but I want his bills paid for. I got a lawyer to make sure we get what we want. He doesn't want to sue me but his lawyer might do it anyway. I don’t know what to do?