After suffering injuries in a car accident, the last thing you need is for the insurance company to deny your claim. You are likely already missing work and might not know when you can return, if at all. If the insurance company denies your claim, you may file a lawsuit. A court will listen to the facts of the case and determine whether the insurance company is wrong in denying your claim. In most cases, insurance companies prefer to settle as it is less expensive than litigation if it loses, it will have to pay its attorneys plus your attorney's fees and costs.