I was involved in an accident roughly four years ago, in which I was hit by a car while riding a bicycle. I moved into an oncoming lane of traffic, but the driver made no attempt to change lanes until it was too late. I feel it was partially my fault as well as the drivers, and I have put it behind me. The insurance company is offering me settlement money for the case however, and I am debating taking it. My question is about the amount -- they are ofering me $7,000 to settle. Is this amount reasonable, or too small? Should I ask for more (and in what amount) or could I possibly sue the insurance company for my present disability? There is no chance of repair to my ear.