Whatever you do, don't sign away your rights to pusruse the matter for a small lump sum.
First, it perpetuates the idea of people hamming it up to get payoffs.
Second, it IS signing away your rights to pursue the matter if you have lingering ills from the event.
I was in a car that was totaled a few years ago. I was in the passenger seat, we were sitting at a stop sign. We never moved, but five seconds passed and we became part of a 3 vehicle accident that totalled all 3 vehicles. A pickup tried to cross the highway and was Tboned by a speeding Caddy. My friend's car had the word "Firestone" across the hood where the pickup roled up on its side on top of us.
I was the only one not wearing a seatbelt and the only one not injured. My lack of injury was unrealted to ym seatbelt use, just a bit of irony. I saw the wreck coming and clamped my hands around the bottom of the seat so hard that I got a bruised nerve out of the deal. When I contacted the insurance company of the driver charged with the wreck to make them aware of my situation, I was contactged within mere hours by a law firm with a lump sum offer, which was not large, but quite larger than a few visits to the doctor.
My decision was to move my wallet to my other pocket (on the advice of a physician acquaintence who doesn't put up with BS from patients) for a week or so; the situation cleared up. He's a good guy, I hardly ever have to see him. I call, he tells me to quit being a pu55y and to do XXXX and everything gets better. For no fee, you can't ask much more.
Point being, that I didn't take the money, but so long as the statute of limitations hasn't expired (it probably has now) the door is still open if I have some malady express itself that can be proven to be a result of the wreck. I sleep better at nights for both parts of that.