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Thank you for using JustAnswer!I am terribly sorry to learn of your circumstances. The only way you can get a settlement for more than what the insurance policy is written for, is if the other driver opens up their own personal check book and offers you money. So, technically, can you seek more money? Yes. However, it won't come from the insurance company.
Good luck and best wishes. I hope that you find this information to be helpful and this answer to be ACCEPTable!
can I have them pay medical bill or is that what settement is for?
Given the seriousness of your injuries, you may find it helpful to be assisted by a local personal injury attorney.