Not sure how the payout distribution is done, but I would suggest that to avoid the now very-real possibility of exaggerated insurance claims, individuals should be either required to pay for all treatments themselves and get reimbursed after six months to a year, or be given a settlement upfront according to an objective medical doctor's assessment of rehabilitiation. If not enough is given, the insurance will cover the difference at the end of the year, and if too much is given, then the victim is required to pay the difference back.
Just giving out money willy nilly to people for the sake of settling is a terrible way to solve a true measure of pain. Too many dishonest people to trust.
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