I was the pedestrian and was hit by 2 separate cars. The first one hit my leg which resulted in a spiral fracture. And the second impacted my face. The first cars insurance is $50,000 and the second car has $250,000 insurance plus a million dollar umbrella policy. Out of the second car, I'm only receiving $200,000 out of court. I feel that this is not enough compensation for my injuries. Should I settle outside of court or go to trial? I live in California.