Should you add up your medical bills before your insurance payments?

First, you should find a competent personal injury lawyer to help you. Insurance companies are notorious for low-balling unrepresented plaintiffs, so you may not get the payments you deserve if you do not have a lawyer. After you find a lawyer, get the insurance company involved as soon as possible. Keep all of your receipts. Keep copious notes of when you saw a doctor, what you told the doctor and what the doctor told you. Also, keep in mind that damages are more than just your medications and bills. You may also have pain and suffering, loss of income from having to miss work, and lots of other things.