text: should i sue the driver who hit me? i was hit head on by a teenager who came into my lane.  she has a 20,000 dollar limit in what her insurance will pay for my medical bills.  my medical bills to date have been about 18,000-20,000 dollars and i am still in pain every day almost 1 and a half years later.  i am thinking about another surgery but i don't know if i will do it yet.  the alternative seems to be to live with the pain and numbness for the rest of my life.  i have to settle or file a lawsuit within the next 8 months.  my questions are:  1.  is it ethical to sue her?  i am a christian and believe in forgiveness.  i have forgiven her and i don't want to take that forgiveness back.  i am able to pay my medical bills beyond what the insurance will pay, but it's my husband's money, too, and i'm not sure what the future will bring.   2.  what is future pain and suffering worth, if anything?  i will never be the same.  i will always have some pain and some numbness, whether i choose to have another surgery or not. well, being a christian does mean forgiveness; however, you shouldn't suffer do to the poor decisions of others.  if you do plan to sue, sue only for the exact amount in medical bills and lost income.  you are entitled to that amount.  make sure you have receipts for everything.  it is not unethical to sue if your only in it for exact compensation and not for greed.