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: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you go to and retain an attorney to represent you.