How much insurance coverage does the other driver have? How much were the offers? Who is the insurance company? Were all of your medical bills paid by your own PIP carrier? If your lawyer didn't take the time to prepare you, get rid of him or her. There are 80,000 attorneys in NJ who would be happy to take over your case and give you the attention it sounds like your case deserves. Good luck.
Sorry to learn. Your question has no easy answer. It depends on so many factors, eg, your age, what you can no longer do, what you can do with difficulty. All lawyers who do these cases will be happy to meet with you at no charge. There are many qualified personal injury lawyers on avvo. We are minutes from you in cherry hill. Good luck.
A doctor will NEVER settle with you out of court. All settlements over $25,000 have to be reported to the National Data Bank. Hire an experienced lawyer in your county ASAP. Your case may be very good. Good luck