Do you have to accept a car insurance settlement even if its bad?

Basically they offered 30% of medical and market value of the car.

The accident was caused when a car broke down on the freeway, two cars ahead stopped, my car stopped but the car behind didnt and crashed into my car which pushed it into 2 cars ahead.

So it involves 4 cars. Police report shows he was 100% at fault.

So would it be better to accept the settlement or sue them knowing it can take 2 years and of course a slim chance I might lose?
 
Back
Top