Personal injury claims are generally settled separately from, and much later than, your auto property damage claim. Settle your personal injury claim after you complete medical treatment and you know the extent of your injuries and other losses.  Knowing the value of what you have lost (bodily injury, medical expense, disability, lost wages, pain, suffering, and inconvenience) will help you figure out what your claim is worth. Many claims can be settled soon after  your doctor has written his final report. If you settle too early or without knowing the value of your claim, you lose money.