In our experience, most insurance companies do not enter into "partial" settlements.  Insurance companies typically do not pay money unless you sign some sort of release of all further claims.  Signing a release can bar you from receiving any further money on the claim, so it is never a good idea to sign a release while you are still in active medical treatment.  You should always wait until your medical condition has stabilized or, at least to the point where additional medical treatment doesn't seem to be helping your condition, before thinking about settling your case.  You should use your health insurance, Medicare, Medicaid or medical payments coverage to pay your medical bills until your medical condition stabilizes.