glad you weren't seriously hurt. cars can be easily repaired or replaced, all it takes is $$$. people can't be easily repaired or replaced even if you have all the $$$ in the world. i would seek some follow up medical inspections in the near future just to be sure everything is OK.

if you file a claim thru HER insurance policy you will be restricted to the limits of her policy.
if you file a claim thru YOUR insurance policy you will be restricted to the limits of that policy.
i would assume the limits of your policy will be much higher than hers. so being reimbursed for damages will be easier if you file with yours.

if you file with your insurance they will pay out the the limits, if necessary, and no more than the limits in the policy no matter who your attorney is. and then seek reimbursement from her insurance co. you will probably be reimbursed your deductible after your insurance co is reimbursed from her insurance co.
if you file with her insurance co they will pay out to their limits, if necessary and no more than the limits, it won't matter who your attorney is. you won't have to pay any deductibles. your insurance co won't pay anything until you file a claim with them.
a good attorney might be able to find some other applicable insurance policy in to file claims against but all policies are restricted by their limits.