If I was involved in an at fault car accident with 3 other vehicles but my insurance only settled for 2 vehicles, what should I do?

The initial answer is rather simple ask him directly! There is nothing preventing you from speaking to him/her, especially since you have already admitted the accident was your fault. Tell them what your employment status is, what your assets are [don't own any property, nothing in bank, etc.], not likely will be any better in 10 years from now. your insurance company has an obligation to try to resolve all claims within your policy limits. I just recently settle a case, 2 weeks before trial date, where they settle with all claimants but my client, but the insurance company fought tooth and nail. However, for an insured, the company owes a direct duty to try to settle and failure to do so may allow you to sue your own insurance company for damages, including emotional distress. so find out from the attorney why they did not settle, did he offer to settle and then contact your insurance company to get all the details and demand that they provide a free attorney for you, one who is not an employee of the insurance company.