You really need to get everything done medically, physically and emotionally as soon as possible. There are windows with insurance that you have to be aware of. You are going to have to document everything and get the help you need. Of course do not sign off on any paperwork for at least two years. Things can come up months down the road related to a bad accident that you are not aware of.
I was in an accident and as a result had TMJ, MRI's, physical therapy, etc. I didn't settle until the two year mark when you have to- I sent the insurance all my bills and they paid them as well as giving me a monetary compensation for suffering. Because of that accident, it allowed us to have the chunk of money that we needed to adopt our beautiful daughter.
Just make sure you are all completely well before signing and get all of the help you need to get to that point!