I was involved in a car accident six hours after obtaining my insurance 10 years ago

I stated on the phone that I had let my insurance lapse for three or four days. I was hurt in the car accident and went to the hospital. When I got the paperwork to sign I signed that I had prior insurance because I was own very high painkillers. They dropped me right after that they did not cover the accident and the car that ran me off the road didn't come back. So I got no money from them and had to lose my car. Now 10 years later I get a check from them for $1100 and it says in full settlement of collection claims arising out of incident on November 20, 2004. My car was totaled and that I had to go to the emergency room which was well over $25,000 Total money I lost. Is it too late to fight for more money or should I just take what I got