You need patience in a settlement negotiation because that is how you get the most possible money. You need to wait out the insurance company because, at some point, they will get more serious about settling the case. The insurance company often does not want to go to a full trial because it costs them money to pay their defense firm and juries often side with the plaintiff and award more damages than an insurance company might have paid in a settlement. At some point, the insurance company will get more serious about a settlement agreement and begin to raise its offer.