Auto accident with tibial plateau fracture

Question Details: A man pulled out in front of me on the highway and I broadsided him at about 55 mph. I sustained a tibial plateau fracture, right knee, non-displaced, 3mm depression. I was put in a knee immobilizer, non-weight-bearing for 3 months, then physical therapy. Doing well now, but at high risk for early arthritis & possible future knee replacement. Should I settle with insurance co? How do I decide how much? Important Notice