Will my personal injury case settle, or will it go to trial?

Many personal injury matters settle, sometimes before a lawsuit and sometimes during litigation. A case is more likely to require suit when the insurer disputes fault, causation, injury severity, future damages, or coverage, or when its best offer does not reasonably account for the evidence. Filing suit does not eliminate the possibility of a later settlement.
Trial involves uncertainty for both sides, while settlement provides a known result and ends the dispute. Your lawyer should explain the net offer, expected costs, risks, timing, liens, and realistic trial range. The client decides whether to accept or reject an offer after receiving legal advice.