Let’s start at the beginning again. The only reason that you are getting a settlement check at all is that you have a serious personal injury, and you need to be reimbursed for expenses related to medical bills, lost wages, and such related to the accident that you suffered at the hands of a negligent person. For example, let’s say you injured yourself, and it was all your fault. In that case, you will not be able to turn around and sue anyone else for your loss. Instead, you will have to take full responsibility for the losses, damages, personal injury expenses, and other expenses such as lost wages – this will all come out of your own pocket.