I think you should get a lawyer. A few years ago someone ran a stop sign right in front of me while I was doing about 45 on my motorcycle. He fucked me up really good: cracked pelvis, broken femur, hurt my eye pretty bad, stitches. I figured the insurance money would be enough and I didn't want to sue a guy in his 50s for basically a simple mistake, so I took it and didn't sue him. It was a mistake.
Even though it paid for my initial bills, I am in only in my 20s and still have back and hip problems related to the accident and the insurance $$ is long gone. (edited)