Claims can be very complex, especially if they involve injuries and lawsuits. Each claim must be handled based on its own merits. It is best to discuss the specifics of your settlement agreement with your attorney or claims adjuster.
That being said, the general rule is for insurance to make you “whole,” meaning your damages must be covered before your insurance company can take any money you get in a settlement. You may need to reimburse the carrier for medical expenses. It is essential in this situation to have a lawyer you trust. For advice on finding a good lawyer, check out this article: How to Find a Good Car Insurance Lawyer.