Should I agree to a settlement without legal advice?

No. Always talk to your personal injury attorney before agreeing to a settlement. Even if the insurance company says it is their final offer or will expire tomorrow, do not allow them to pressure or intimidate you. Call your attorney and have him handle the negotiation process. 
Randall E. Appleton
Personal Injury & Wrongful Death Lawyer Serving Va Beach, Norfolk, Chesapeake & all of Virginia