You may need to pursue litigation if you cannot reach a fair settlement or the insurance company denies your claim. Litigation might also be necessary if both parties can't agree on the extent of your injuries and damages. If you win your case, litigation can lead to higher compensation, a sense of justice, and closure after the accident. It can also establish a legal precedent in complex cases or those with unique circumstances from which future accident victims can benefit. Litigation, however, is more time-consuming and expensive than settling out of court. Emotional stress can be high, and you may receive unwanted public exposure. The outcome also tends to be less predictable; you may even lose the case and receive no compensation. The decision to settle or litigate your car accident claim ultimately depends on your specific circumstances and the advice of your personal injury attorney. Your attorney can help evaluate the potential risks and benefits of each approach and guide you toward the best course of action for your situation.