Confusion about the effect of release of liability

Florida. I was injured in a car accident where the other person was 100% at fault. The injuries are permanent and will require ongoing physical therapy and has significantly affected my quality of life, but it’s not something I am willing to accept getting surgery for at this time given the risks of the surgery and the quite high risk of an even worse outcome. Therefore, because my medical care at this time will not cost over $10,000, the lawyer I spoke with said a lawsuit wouldn’t be worth it.

The insurance company is offering a release of liability for me to sign. I would get a couple thousand dollars in exchange for releasing the at fault driver of a future lawsuit. There was a disclaimer on the form that said if I sign it, I give up any right to sue my future doctor for medical malpractice if I do decide to get the surgery in the future. It also said that signing the release of liability may mean my own health insurance won’t pay for any care related to these injuries. I googled those statements and Google AI said yes that’s true. I brought it up with the at-fault driver’s insurance company and they said no that’s not true and that they’re not sure why that was on the form and they’ll send a new form without those disclaimers. I’m highly suspicious of that. It’s a major insurance company.

Now I’m unsure of whether or not I should sign it and what a future doctor’s malpractice or my own health insurance has to do with suing the at fault driver. A couple thousand dollars would be great, but not at the risk of losing access to my own health insurance for an injury that I will need treatment for periodically for my whole life.

But also, I think the window to sue ends at 2 years in Florida anyway, so am I silly to not sign it?