Car and Bike Accident - Third party insurance

Greetings, I was the car driver and two boys without helmet drive rashly and hit my car steel front bumper and caused injury to themselves. I did not drive rashly. One leg fractured and the other face injury. the first is now ok with bill of 1.2 Lakhs. the second did not have a big issue at the time of accident however the doctors suggested an operation in the face and he did not recover from Anesthesia. They changed hospital and had a prolonged stay and the bill is 13 lakhs. not sure if there was any error on part of the first hospital. FIR filed and I am told I will get summons. I will appear in court when required and pay the court fee. what else is my role.. I have third party insurance and will be happy if it covers their cost. what is my role here and will I be required to pay anything more if the insurance is not adequately covered. they have filed a complaint at that I drove rashly. booked under section 279 and 337. there is a CCtv footage but police says it did not work. not sure if it is true. i spent 7k for my car repair, I paid 30K to first driver who rode rashly who belongs to a poor family and got a sign in stamp paper that no claim will be made from me. the problem is with the pillion rider who has sent a lawyer to the court and doesn't pick my call. who initially said he will not make any claim when the cost was not estimated. is there a possibility that if i am not proved guilty i need not pay anything more. is there any limit cover for third party insurance. what would have happened if I hadn't had third insurance. will i have to pay lakhs in compensation. the date of accident is 25th aug and police gave is time upto 21 nov to arrive at agreement and for the patient to recover. but now is vain. wil this delay cause any problems Thank you