Was in a car accident... lawyer wants to settle  have questions need advice?:
Your post is a little unclear.  In any event, these are really questions you should be asking your lawyer.  It's his job to help you understand the consequences of accepting any settlement offer.  Write down all your questions, and then meet with your lawyer and ask him.  

I imagine the settlement involves having all medical bills paid, and that the $20k settlement is for your pain and suffering.  Generally the lawyer will take his fee (either 1/3 of 1/4) of the settlement as his fee, depending upon the terms of your engagement with him.  So it's most likely that all medical bills will be paid, and you will get $20,000, part of which will go to the attorney to pay his fee.