Are you talking about accepting YOUR insurance company's settlement, in addition to suing the driver and her employer?
By accepting your insurance company's settlement, you may be giving them your rights to file a lawsuit. Most insurance policies have a subrogation clause, which means they step into your shoes when they pay a claim. That means they would be entitled to sue the responsible driver to recover their losses.
If you are talking about taking a settlement from the company that insures the other driver and/or her employer, it would depend on the nature of the release you signed. Most releases require you to agree that all claims are satisfied by the payment you receive.
The driver and likely her employer are responsible. Their liability would be covered by their insurance. Your property damages could also be covered by your insurance. You should make a claim to both and see if one offers more money than the other. Once you accept a property damage settlement you will not be able to sue them for property damage, only personal injury and/or mental distress.
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