Not all cases go to trial. In fact, most cases do not. The first opportunity for relief for someone injured in a bicycle accident crash in Clayton might be to file an insurance claim. Since Missouri is a fault insurance state, claimants may file a claim with their own insurance company or file a third-party claim against the at-fault driver’s insurance claim. The second opportunity, if insurance does not cover all damages, could be to settle your lawsuit outside of court. Settlements take negotiation and might not happen until litigation has begun. The third opportunity for relief is to receive a jury award at trial.