I was injured in August of 2012, cumulative trauma to both knees low back and hypertension. I have had a few surgeries, injections, PT, Chiropractic, etc. Was seen today by my QME and he is making me Permeant and stationary. My question is this. Do I settle my future medical or do I retain my future medical? I do have my own medical insurance. My second question is if I due settle my medical and need more surgery will my insurance bill me for the surgery or if they don't bill me and find out about my settlement will that be fraud? Just don't know what to due settle or keep future medical. Thanks