OP- if you are uninsured, get online ASAP and price out health insurance. I cannot think of a better use of your windfall then to purchase health insurance.
You have no idea if you will have residual effects from the accident. You many need more PT in a few months, you may get referred to a chiropracter for pain management, you may have some nerve damage which was undetected until your other wounds healed.
My heart goes out to you- this sounds really traumatic, but get yourself insured. It is wonderful that your emergent care needs were covered, but you would not be the first person to discover that after the initial accident, there are long term health issues. I’ve had PT twice for the same injury and wow, it was expensive. It was completely covered the first time because it was right after the accident and I was referred by an orthopedic surgeon and I can honestly tell you that I don’t know what it cost. I only had partial coverage the second time because the injury was supposed to have healed (I was in chronic pain) and boy, the sticker shock was incredible. For people who have to pay full freight- I cannot imagine it. Yes- my therapist had a doctorate degree and was highly educated and skilled, and the center I went to was clean and well stocked with equipment and maintained. But it is still expensive to treat a long term injury with PT. Meds are cheaper, but I wasn’t interested in that as a solution.