You don't say if you have any ongoing symptoms.

"Unless a doctor defines a precise treatment plan, I don't go back to them."
This concept is like shooting yourself in the foot from a legal standpoint. This is what defense attorneys call 'refusal to cooperate with medical advice.'

It can also make it look like you are doctor shopping, again a negative to you case.

Insurance companies often have a rule of thumb settlement amount based on the type and severity of a collision and just want to get the case resolved if it is below that threshold.

As Jo*Mar said, it the settlement leaves you with cash in the bank after paying your medical bills, property damage, and attorney's fees, it may be the way to resolve this. Your attorney should have told you this but, Make sure you don't have bills that were paid by your insurance (health or auto) that your insurance company will want repaid from your settlement.

I've know people who have been charged in arrears for such payments.
My mother-in-law's car was totaled and replace by her insurance but they expect to get paid back from her settlement from the at-fault party's insurance.