You should submit the total medical bill without any medical insurance discounts.  In addition to the medical bills, your personal injury claim should include the medical reports and documentation of wage loss.  Compensation for the medical bills is straight reimbursement.  Compensation for wage loss is straight reimbursement.  The medical reports will document the nature and extent of your injuries and will be used to determine compensation for pain and suffering.  It would be premature to settle the case until you either complete your medical treatment and are released by the doctor or are declared by the doctor to be permenant and stationary which means having reached a point in your treatment where no further improvement is anticipated.  If the case is not settled with the insurance company and the statute of limitations is approaching, file your lawsuit for negligence against the at-fault party or you will lose your rights forever in the matter if the statute of limitations expires.  If the case is settled with the insurance company, NO lawsuit is filed.  If you are dissatisfied with settlement offers from the insurance company, reject the settlement offers and file your lawsuit for negligence against the at-fault party.