It may depend on which insurance carrier is envolved--some simply will not settle for a fair amount, so you must file early and push for a trial setting. In other cases it may depend on the severity of the injury weighed against the cost of litigation;e.g. -better to settle w/o litigation a small case! There are truly a number of factors an experienced PI lawyer would consider-so i suggest you see one-most will consult for free!!
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call again leave a message and if no response in a couple of days call my Indianapolis office and i'll advise you for no charge-317-6360808
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Turn it over to your insurance company..Your carrier will protect you and if need be provide counsel... in addition i would recommend recontacting the Plaintiff's counsel who could be in jeopardy if he fails to respond!
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Her license likely wiii be suspended because she allowed her vehicle to be on the road with no insurance cverage....did you have auto liability insurance?
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