If you’re entitled to significantly more money than the insurance company is willing to offer, you may want to take your case to court. If you win your case, the judge can compel the defendant to pay a much larger sum than anything offered during negotiations.
However, only a small percentage of cases go before a jury because trial results are difficult for either party to predict. If the jury finds in favor of the defendant, you won’t receive any compensation for your injuries.
You should only ever consider a trial if you have a strong case. If you proceed, the process can take time, as both sides need to compile evidence, file relevant court documents, complete discovery, file and respond to motions, and prepare their argument.