The answer to your question depends on many factors including whether any of your injuries are pre-existing, your age, if you had any treatment other than physical therapy, if you can prove that you have permanent injuries under the New York State No Fault threshold. These can not be answered in this forum.
You either need to sit down with your attorney and have him or her explain to you why this is the best settlement you can get or there is nothing in the law that prevents you from seeking new counsel.Ask a similar question
It depends on how much insurance the other car has and how well your doctor documented your injuries and limitations. If you meet NY threshold law. In other words you either missed 90 days from work or still have limitations. It is not enough. Assuming they have sufficient insuranceAsk a similar question