A:Not necessarily. Some cases can be favorably resolved before a lawsuit is filed. Whether filing a lawsuit is necessary to obtain a full recovery depends on the specific circumstances of your case. Often, insurance carriers will not take a claim seriously until a lawsuit is filed. For instance, settlement factories rarely file lawsuits and actually litigate cases. Many insurance carriers believe that until a lawsuit is filed, they can avoid paying anywhere close to full value. A law firm with trial experience generally knows which cases should be filed immediately and which cases stand a reasonable chance of being resolved on fair terms before a lawsuit is filed.