Though the insurance companies are making record profits, a number of them are completely unreasonable. In this circumstance, we often have no choice but to proceed to litigation. Venue is about where the defendant lives and where the accident took place. Venue goes to the county of suit. If your accident took place in either Dallas or Collin Counties, then you will be looking at a very conservative jury - more so with Collin County.
Conservative juries award less money.
If the accident took place in Denton or Grayson County, somewhat liberal counties, then your case is worth more because those juries tend to award more money. This factor goes into the type of person that ran into you. If, however, he or she was DWI, has a poor work history, comes from a low socio-economic background, or has a criminal history then your case is worth more. This factor is about you. If you would make a good witness, if you are forthright and honest, if you refrain from wining, then your case will be worth more.