No you don't have to go to court. The decision on whether to go to court or not is always yours. Sometimes however it is important that you file suit in your case because the insurance company is being unreasonable in the amount of money that they are offering.
If you have a serious injury and the insurance company is not offering serious money then our advice to you would be to file suit so that you can get the serious money that your case deserves.
Often times insurance companies offer settlements before you need to go to court but more often than not their strategy is to offer you less than what you can get through trial.
Keep in mind that insurance companies and their attorneys know exactly how much your claim is worth, and they are in a much more powerful position to negotiate with the other party than you are. Their job is to resolve the potential "liability" by paying as little as possible to you. Many valuable rights were lost because the injured person believed ...
