Their insurance company will be in a hurry to write you a check, AND have you sign off that is all that is owed. They only want to write one check, and they want you sign off that your case is closed so they don't have to pay more money as medical problems are found later. Your insurance company will write several checks to cover medical bills throughout the process. Some times you need to see different specialists, sometimes they bill per month for physical rehab, etc. It is very common, ask your insurance company out of curiosity in case you go through it some time and it ends up being worse than you first thought. Also, one should find out the statute of limitations in your state, if you go past that date you are out of luck filing a law suite to recover other damages.