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I got a settlement on my totaled car (rollover) in about a week, while I waited quite a while to submit my medical claims (until treatment was over). I was in chiropractic treatment for months and finally got my claim totally submitted (the insurance guy first assigned to my case changed jobs, so I got stuck in a transition space for about a month when I was trying to figure out who to talk to) about a year after the accident. Received payment a month later, for all of my bills plus about $3.5k for my pain and suffering. I probably should have had a lawyer on my case, honestly, since the pain lasted so long and the insurance company fucked up the process for my claim.
If I were you, I'd try to wait it out and not take a predicted medical payment. What happens if that money doesn't cover future treatment and/or you have long-lasting damage/pain as a result of the accident? You're fucked! In Ohio, anyway, lawyers get access to police accident reports and send out "feelers" in the mail. If that's the case in Texas, you might want to call the phone number(s) on one of their postcards/letters.
Good luck! Being in a car accident is one of the worst feelings ever. I've had two cars totaled and another rear-ended, all literally about a week before I was leaving for college after summer break. It makes repairs/replacing a car a lot more stressful when you have a time limit and a need for transportation.
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"Without passion man is a mere latent force and possibility, like the flint which awaits the shock of the iron before it can give forth its spark."
— Henri-Frédéric Amiel
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