Carefull, this is a complicated question. Many times there is no value in suing.
You may have to sue if:
1st The At Fault driver is not insured or not properly insured.
2nd The at fault insurance company will not pay or will not pay fair compensation.
3rd If you are injured and need a Lawyer to protect your rights and insure proper and fair compensation.
Many times the Insurance companies will not pay fairly and it is often easier to get your Insurance company to intervene than to hire a lawyer. I specificaly buy insurance that provides this coverage as I was bitten before in this way.
Good Luck
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