The insurance company for the other driver offered me a settlement while I was hospitalized immediately after the accident. Should I accept this offer?
No! You should never settle your case right after your accident, especially if you are seriously injured. The only reason that an insurance company is going to offer you quick money is to get your case settled so that they don't have to pay any future medical expenses. You can be almost certain that the settlement that they are offering is worth far less than what you should be receiving. You should always contact a lawyer before accepting anything from an insurance company if you are seriously injured.