I'm going to go a little off-topic here.
You mentioned that you are going to be getting a settlement from your previous accident and you intend to pay off the loan with said settlement. I would recommend against doing that. Paying the loan off as scheduled will be better for your credit. You'll end up with a longer record of credit and the loan will stay on your credit report longer. Don't miss a payment and pay it off on the original payment schedule. You'll end up with better credit in the long run. Use your settlement to help pay for college (if you're going) or put it into savings so you have a bit of a safety net if **** goes all wonky on you.