If the insurance company has already offered you a settlement, you should hire The Law Offices of Daniel T. Goodwin to review your medical records and provide you with an opinion on the fairness of the offer. The firm offers that service on an hourly rate.
Settlements are not provided without absolute release agreements. In other words, you cannot accept a settlement unless you release all of your rights to further payment. Accepting a settlement from an insurance company is a complicated decision that is best decided with the advice of a lawyer.