Legal Question in Civil Litigation in Tennessee

Question regarding insurance companies

Four months ago, I was involved in an accident in which a drunk driver crossed the line and struck the car in front of me head-on, spinning that car back into mine. The responsible party (drunk driver)'s insurance company has double-talked and lied their way through, just to get me to agree to settle for practically nothing. I totalled out a car that was barely damaged, because they said that I had to. Now, the said insurance company has told me that unless I sign a release form, releasing the responsible party, the attorney for the other party (people in the car that was struck first)is going to file charges against me as a second defendant, because unless I sign the release, they can't get their money. I have not heard anything about this release until just last week when the insurance adjuster told me that he would offer a claim for $2,000. Recently, I received the release form, and it states nothing about the $2,000 claim; only a form that states that I will accept $150 to release the offending party (the drunk driver) from all further responsiblility. I don't want to hurt anyone, but the insurance company tells me that I am hurting the people who were hit and suffered the most damage by not signing the release. Help me?

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