Any discussion of settlement would be premature until the nature and extent of your injuries are known. This is generally what is known as MMI (maximum medical improvement) . At that time, your physician, lawyer and yourself will know the effects the injury has had on you in the past, and the likely effects the injury will have on you in the future regarding your ability to work, enjoy your hobbies, and perform activities of daily living. Once you reach MMI, settlement discussions can be made. If your case is not settled at that time, a lawsuit should be filed immediately.