A: Before you settle your claim, I highly suggest you at least have a brief consultation with a local attorney. Most should be willing to give you advice on an hourly basis if you want to try and handle settlement negotiations on your own (although, I don't recommend that generally).
Giving advice in your type of situation is heavily fact dependant. Ignoring the exact details of your treatment and the accident itself, improperly settling personal injury claims with the at-fault driver's insurance may have negative consequences on other insurance claims that may be available to you, is likely to impact your obligations to your health insurance company, and can prematurely cut off payment for future necessary medical treatment.
There are so many things that can go wrong, you owe it to yourself to spend thirty minutes or so to get some reliable legal advice from a local attorney.
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