A pedestrian was hit by a car and the driver was considered to be at fault due to not seeing the pedestrian crossing the road at the time. The insurance company has accepted liability, however, a personal injury settlement is still being reviewed/decided. Should the pedestrian seek legal advice? When the insurance company makes an offer for a settlement and the pedestrian accepts it, will that end their legal liability to cover any further medical costs in relation to the injuries received in accident? There is no loss of wages to consider in the settlement as the person is retired, however, they spent about 8 weeks in the hospital and had extensive surgery due to the horrific injuries received. How does one determine what is a reasonable personal injury settlement in this case?