Each circumstance is different. Insurance companies don't necessarily apply the same factors to reducing each patient's liens. Not satisfying the payments could severely damage your credit. If your case is not settled yet make your attorney aware of your concern.
i strongly suggest that you retain counsel your husband has serious injuries and i am not sure that geico may treat you fairly. furthermore you need to get advice on the bad faith laws in your state, Geico may have already committed bad faith. furthermore you need to look at your own auto policy to see if you carry uninsured/underinsured motorist coverage and you need advice on how that coverage applies in your state