The south bound truck was ticked for failure to yield to on coming traffice
That's correct and appropriate.
the north bound truck did not get a citation but due to his skid marks he was speeding but no ticket.
Skid marks under those conditions are not necessarily indicative of speeding.
is the car lot that I was test driving car insurance liable for any of my bills? The truck that was going south bound insurance said it was going to pay also but said he only had a twenty five thousand policy and that my bills already exceed that amount so can I get something out of the car lot insurance since I was hurt in there car i was test driving?
There's no negligence on the part of the car lot so there's no "legal liability" there. However, there's a remote possibility that the car lot's commercial auto insurance could have Underinsured Motorists Coverage that might extend to prospective buyers who test drive their vehicles. Check on it.
Otherwise, if you had car insurance at the time, your own Underinsured Motorists Coverage would come into play.