You have two years from the date of your injury to decide. Once you settle your case you cannot reopen it if your problems come back or new ones arise. Patience is a virtue and time is money; generally the longer you wait for settlement, the better settlement will be. Your lawyer will get all the medical and income information available and start negotiations with Insurance of British Columbia. Some cases settle quickly and some can be complicated and can take months or even years between offers. If you overvalue your case it will take longer to reach agreement. Sometimes people do not want to let go of the fight, regardless of the consequences. But settlement can bring relief and an improved emotional state. If you have to sue, be prepared to attend an Examination for Discovery where you will be questioned extensively about your medical history and your life. If you and Insurance of British Columbia see your case very differently, then you may go to trial to have a judge or jury decide. Most cases settle because the costs, risks and emotional upheaval of a trial are too much for many people. There is no easy answer to the question “settle or sue”; as you proceed you must continually reevaluate that question with professional guidance.