As far as the insurance policy issue, your attorney on that case has seen all of the evidence and if his recommendation is to settle, I could not tell you he is wrong. He is intimately familiar with the facts and evidence and has had a chance to evaluate that evidence and I will have to defer to his judgment here.
As far as DOH, sure they want you to accept their offer because they do not want to lose the suit you have against them and they are afraid to lose it or they would not be putting so much pressure on you. At this point, I would document their threat to harass you and every time they do I would sue them again and I would continue pursing your case against the negligent agents.
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