My lawyer says I and she will get 1/3 each and the other 1/3 will go to a trust fund. Then, she will negotiate with doctors to reduce their bill. Any amount left from trust after paying doctors will be split between I and lawyer. Is this right and typical?
Without knowing why the lawyer believes it must be done this way, it is impossoble to assess your question intelligently. In personal injury cases, it is typical that the lawyer and medical bills get paid out of any recover and that the client receives anything that is left over. The lawyer's fee is typically between 25-40% of the recovery (depending on the terms of the written retainer agreement between the lawyer and client). Sometimes the lawyer can get the medical providers to reduce their bills, which obviously would result in the client keeping more of the settlement.
I had heard the difference goes to victim and lawyer only gets 1/3.
What does your written retainer agreement with your lawyer say about this?
The other party insurance is paying 15k (max policy), then my lawyer said she will go after my under-insured part of my car policy to get the rest. She is asking me to write a statement that I am accepting 15k settlemnet so she can move forward. Is this fine?
It's fine with me, but are you seriously asking anonymous strangers for advice about signing some document that we haven't read?
I have over 50k doctor bills.
Then, since the other driver has only $15k in coverage, you have a problem. Do you have at least $35k in underinsured motorist coverage? Why do you need your lawyer to "go after" your own insurer for this? Has your insurer expressed an unwillingness to pay under your UIM coverage? I'm having a difficult time understanding how there's going to be anything leftover for you after payment of your medical expenses and lawyer's fees.