Do you know what your auto insurance coverage is? Do you know how much your limits are? If you do, you're the exception. When I speak to groups and ask this question, usually less than 10 percent of the people raise their hands. The first step in optimizing your insurance coverage is to know what you already have.
Before you can settle your claim, you need to know what it's worth. Before you can know what it's worth, you need to know how the injuries affect your life, how long your treatment lasts, and how much your bills are. Although there's no way to know those things until your treatment is finished, the liability insurer (the defendant's insurance company) will want to speak to you right away, and it will possibly offer you a settlement, before your treatment has concluded.