One more word of caution and this is why you need to get a lawyer. If the driver's insurance company is responsible for payment of medical for your injuries and you settle your claim for future medical, you could run into problems if your future medical exceeds your settlement as your insurance company might refuse to pay for any treatment it deems related to this accident. (e.g. your seemingly minor knee injury needs surgery which far exceeds the amount of your settlement).

Remember, they want to settle with you - not because they like you - but because they feel it is in their financial interest.

Good luck. Hope you recover well.

P.S. In the U.S., you are often compensated for more than out of pocket expenses when a negligent individual harms you. You haven't hit the lottery, you're just being paid back. Regardless of any settlement, I'd bet you'd rather the accident never happened.