Just depends, the attorney will be a big part in how that plays out. If it is a huge case with a lot of money longer. The smaller the case the shorter time they will spend on it. The insurance knows you are desperate and thinking screw it I will just take it I need money now! If your case is good your attorney will give you an advance to pay your bills bro. I wouldn't tell the attorney a number you are looking for. If they ask tell them you need as much as possible as your life and livelihood are being affected and you are here for him to tell you how much he thinks he might be able to get you. Tell him all of your woes and worries and let him work up what he thinks.
Don't settle man, if it is money issues then like I said if an attorney thinks you have a good case they will give you an advance on your settlement if need be.