You should complete your medical treatment, and when you are released by the doctor, obtain the medical bills and a medical report and document your wage loss prior to completing those forms so that you can present all the necessary information.The medical report will document the nature and extent of your injury and will be used to determine the amount of compensation you receive for pain and suffering.  Compensation for pain and suffering is an amount in addition to the medical bills.  Compensation for the medical bills and any wage loss is straight reimbursement.If you are dissatisfied with settlement offers from the insurance carrier for the CTA, you can file a lawsuit against CTA for negligence.  If your case is settled, no lawsuit is filed.  If your case is not settled, you will need to file your lawsuit prior to the expiration of the statute of limitations or you will lose your rights forever in the matter.It would be advisable to discuss your case with a personal injury attorney.