Luckily, My sister had the foresight to get us a good attorney from the get-go when the accident first happened. We have everything so far in writing, all the doctor's and progress reports from the hospital and rehabilitation facility are copied and sent to the attorney along with each and every billing we get in the mail.
The way our attorney says that the settlement process works is this: As soon as all the bills and all documentation is in, then they will begin to negotiate with the business and the insurance companies a complete settlement figure that not only covers all the medical bills, but includes a "nice" figure for pain, suffereing, inconvience, etc. Once they have what they think is a suitable figure, then they'll contact us with the amount and we then look at our needs, other unrelated bills, possible long-tern life changes as a result of the accident, and determine if that figure meets our needs or not, If not, then we let them know and they begin to work on getting us a figure that meets our needs. They will give the insurance companies every opportunity to avoid taking the matter to the courts.