If your personal injury claim doesn't settle, it may proceed to litigation, which is the process of taking your case to court. Litigation can be a lengthy and costly process, and it's essential to have proper legal representation if your case reaches this stage.
Here are some potential reasons why your personal injury claim may not settle:
Disputed Liability: The insurance company or the at-fault party may dispute their responsibility for the accident or the extent of liability. They may attempt to argue that their insured isn't at fault for the incident or that there were other contributing factors.
Disputed Damages: The insurance company may dispute the extent of your damages or the amount of compensation you are seeking. They may argue that your injuries are not as severe as you claim or that the medical treatment you received was unnecessary.
Insufficient Evidence: If there is a lack of clear evidence supporting your claim, the insurance company may be less likely to offer a fair settlement. It's necessary to gather as much evidence as possible, including medical records, accident reports, witness statements, and photographs of the accident scene.
Policy Limits: The at-fault party's insurance policy may have limits on the amount of coverage available. If your damages exceed these policy limits, you may need to explore other avenues for compensation, such as filing a lawsuit against the at-fault party directly.
If your personal injury claim doesn't settle, it's essential to consult with an experienced personal injury lawyer. They can evaluate the strengths and weaknesses of your case, provide guidance on the next steps, and represent your interests in court if necessary.