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Thank you for the information and your question. You have a few options. One, is to accept the policy limits and also see if perhaps your own insurance coverage includes "underinsured" coverage which, in that case, you may be able to also collect under your insurance policy. The other option is to refuse the policy limit offer and hire an attorney to file suit against the owner of the vehicle that hit you. This would only be a good option if this other person has assets that would cover the award by a court.
I would strongly urge you at this point to consider at least speaking to a local trial attorney (personal injury) that deals with motor vehicle accidents and see what they advise based on all of the facts including your injuries and value of your time lost at work, etc.
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I wanted to touch base with you and make sure that you did not have any follow up questions for me from the answer I provided to you on the 30th. For some reason, the Experts are not always getting replies or ratings (at the top of the question/answer page you are viewing or in the pop up box for this question), which is how we get credit (paid by the Site) for our work, that the customer thinks have gone through. In your case I received neither. If you are having technical difficulties with reading, replying or rating, please let me know so that I can inform the Site administrator. Please note that Site use works best while using a computer and using either Google Chrome or Firefox.
In any event, it was a pleasure assisting you and I would be glad to attempt to assist you further on this issue, or a new legal issue, if needed. You can bookmark my page at: http://www.justanswer.com/law/expert-marsha411jd/