think of it this way, you are alive, you are able to use a computer so that means less money.
Settlements are usually based on how much money you will lose over your lifetime, can you do the same job after the accident as before?
will you need corrective surguries, and rehabilitation, will you lose time and benefits from work. Will your quality of life suffer?
will you lose the ability to be mobile? such as now you wont be able to drive a car or take a bus?
All this and more figures into a settlement amount, so the more doctor bills and consulations and specialists you see the better chance you have to determine the amount of damage you have sustained.
No one really profits from these lawsuits except lawyers, so sometimes the best you can do is not lose any money.
You really really really have to be near death to get a milion dollars