That said, your settlement should cover all your medical expenses. This is why it's best to wait until you have a decent idea of how much those bills will be before agreeing to a settlement. If you have any permanent damage or require long-term care, determine a care plan (and corresponding expenses) with your doctor before negotiating with the insurance adjuster.
Your settlement should also cover any property damage done to your vehicle.
Finally, you may be able to recoup extra money for what's known as "pain and suffering." Pain and suffering compensation is the insurance company's way of acknowledging that this has been a difficult time for you and that you did not deserve to go through such an ordeal. This is by far the most subjective part of your settlement.