No. You should not settle until you have finished your medical treatment and the doctor says you are healed. You may not be fully aware of the extent of your injuries or how much medical treatment you will actually require. If you settle too soon, you take a risk that the settlement amount will not be enough to cover your needs. Keep in mind that in Virginia, you have 2 years from the date of the accident to file a lawsuit, so you have time to ensure everything is 100% done. Consult a lawyer well before time runs out if you think treatment will take longer than 2 years.