Most of the time, if your claim is good, a negotiated settlement can provide the best opportunity to compensate you for your injuries. Of course, money never makes what happened to you okay, but for the most part, it's all the law has to offer, and it certainly can help. Sometimes, however, the insurance company refuses to make a fair offer to settle your claim. In those cases, we have little choice but to file a lawsuit. In this chapter, I will discuss how a lawsuit gets filed, and we will explore the risks and benefits of taking your case toward trial.