Alison, (coming out of lurkdom here) another thing you need to consider... Your health insurance company may send you paperwork, down the road, asking for information relating to your injury. They don't like to pay out for care that should be covered by other means. At that point it will become an even bigger mess because they will go after the money. Any compromises you've made with the driver are not going to matter. If you didn't fill out any paperwork listing the injury as "an accident" or an "accident involving a car" they may not pursue it. To the insurance company "an accident" could be: potentially work related=workmans comp or auto related=auto insurance, etc. Best of luck with your healing! Take care.