Your insurance settlement of your personal injury claim will include compensation for wage loss, compensation for your medical bills and compensation for pain and suffering.  You should not lose your sick leave.Compensation for wage loss is straight reimbursement.  Compensation for the medical bills is straight reimbursement.  Compensation for pain and suffering is an amount in addition to the medical bills which is based on the information in your medical reports.  Your settlement will be a lump sum which includes all of these items.If you are dissatisfied with the settlement offer from the insurance carrier, you can reject it and file a lawsuit for negligence against the at-fault party.  If the case is settled with the at-fault party's insurance carrier, NO lawsuit is filed.  If the case is NOT settled with the at-fault party's insurance carrier, your lawsuit for negligence against the at-fault driver and registered owner of the vehicle (if the the registered owner is someone other than the at-fault driver) must be filed prior to the expiration of the applicable statute of limitations or you will lose your rights forever in the matter.