When do personal injury cases go to court?

Personal injury cases go to court when insurance companies refuse to offer fair compensation during pre-litigation negotiations. This typically happens when liability is disputed, when the insurer undervalues serious injuries, or when the damages are significant enough that the insurance company wants to fight rather than pay. Catastrophic injury cases are more likely to require litigation because the stakes are higher. When a case is worth millions, insurance companies have strong financial incentives to deny, delay, and defend rather than pay fair value. At Kane Trial Law, we file lawsuits when it becomes clear that litigation is the only path to full and fair recovery. While most cases settle before trial, even after a lawsuit is filed, our willingness to go to court is what motivates insurers to negotiate fairly in the first place.