[RedBarchetta]

As your health slowly improves, you also need to start gathering good advice from your doctors with respect to average recovery times and any potential long-term issues/setbacks you may endure. It's easy for the insurance company to say, "We're sorry about the accident...here's $50K to cover your medical and for pain and suffering.", only to have long-term issues that require further care above and beyond what your health insurance is willing to cover. That's when honest people that had bad luck get into financial dire straits because of an early settlement. Again, you need to let this play out a bit before you sign any documents and receive "settlement" money. Trust me, the moment you waiver on signing anything, the insurance company will take that as a sign that you may litigate. It's far cheaper for them to up the ante some than to litigate. First and foremost, get healthy! No amount of money is worth hurting all the time.

I'm not an attorney and don't pretend to be one. Just been around enough of them and situations to know how these things tend to play out. Good luck to you.

-Dean