I would like to know if I should pursue legal action for an auto accident I was in where I was rear-ended by a commercial bus.

I was turning into my drive way when a commercial bus rear-ended me. My insurance company has already given me a check for the total loss of my car (Since I have collision insurance). My insurane also covered mymedical bills. However my deductible and rental reimbursement (out of pocket) are still pending and are with my insurance subrogation department. I want to make sure I am not short-changing myself with this situation because I found out that the bus driver was found guilty for speeding on the same road and in the same bus just four months prior. Also - While I have had no major injuries, I did suffer back pain the day of the accident (lumbar sprain) and it aggrivated my pre-existing back pain that I have had (I have to take my pain medication more frequently now). There are other emotional/non-physical changes but I originally was not going to look into this matter since my insurance company was handling the recovery of my car. Any advice would be great!