How do I know whether or not I should accept a settlement offer or sue?

Question Details:

A driver crossed the center line; hit me head on; totaled my car. She was driving on a suspended license (4th offense) and it was her sister's car. My injuries were minor; taken by ambulance to ER; released. Had 1 visit to ortho for knee and 3 month chiropractic treatment. My total medical bills are 14k and have gone unpaid, resulting in them being turned over for collection. My credit has taken a beaten. The 1st offer was for 12k and their last was for 16k. That doesn't seem like much with my medical bills, lawyer fees, and the emotional distress I have gone through (it's been over 2 years). Court or take offer? Do I need to speak with a personal injury attorney? In Dover, DE.

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