Well, Had this same thing in July. My insurance, Progressive, paid from the start until my insurance was used up, which didn't take long. It was about $8,000.00 getting me to the hospital. But then my under-insured motorist insurance kicked in, it was $100,000.00. They paid me and I paid my medical bills with that. But even that took 60 days. I am self employed and was laid up for 3 weeks so it was getting pretty tight. Now, her insurance was still figuring out how not to pay me. I talked to a bodily injury attorney and once they heard I lost a body part (lost 2 toes) they were wanting my case. I did not hire them, said I would think about it. I looked up case scenarios and a loss of toes for a young girl pays fairly well, but for a 50+ year old male in hunting boots not so well. Her max on her insurance was $100,000.00. If I went with the attorney I might get $200,000.00 if I could prove it was a disability to me. Try to prove any type of disability. Unless you are truly unable to function, I can still walk, just with a limp. and out of that the lawyer would get 40% and it would be an IOU. I just kept quiet and her insurance offered me the full $100,000.00 of her policy in a check, but, I have to put that in an account because I will need some corrective surgery in a few years. She owned nothing so a judgment would never be collected on and you have to renew a judgement every 10 years here.
So, do some homework, have the doctor bills sent to the party at faults insurance so you don't go broke waiting for them to pay you. Talk to your doctor about long term prognosis and have him write it down. If you end up with the Lawyer and he has to contact the Doctor, the Doctor wont remember your case.
By the way, what is his age and what does he do for work. Makes a big difference on settlements.
By the way, what someone else said about talking to your regular lawyer, start there and ask his opinion, it also depends on how much you trust him, but remember, Lawyers are in business to make money and they don't make money by telling you not to use a Lawyer. Your friend has to use his judgement on what he needs and what he wants.