Personal injury settlements and trials are two different legal processes used to resolve personal injury claims. A settlement refers to reaching an agreement through the insurance claims process, where the insurance company offers a sum of money in exchange for not going to court. On the other hand, a trial is the next step if settlement negotiations fail, where a judge or jury makes the final decision.

For example, let's say someone is injured in a car accident and decides to pursue a personal injury claim. If they reach a settlement, the insurance company may offer them a certain amount of money to compensate for their injuries and other damages. However, if settlement negotiations are unsuccessful, the case may proceed to trial, where a judge or jury will determine the outcome of the claim.

Personal Injury Settlements

Settlements are preferred by most claimants due to their faster and cheaper nature compared to trials. Unlike trials, settlements can be resolved within a few months, allowing claimants to receive compensation sooner. Compensation received through settlements generally covers lost wages, medical bills, and property repairs.

For instance, let's consider a slip and fall accident case. If the injured party decides to pursue a settlement, they may receive compensation for their medical expenses, any income they lost due to the accident, and the cost of repairing any damaged property. Furthermore, settlements are private, meaning the details of the settlement and the amount received are not disclosed to the public.

Settlement negotiations involve demand letters, negotiation, and signing a formal settlement document. The strength of the evidence, severity of damages, liability, and insurance coverage are factors that influence settlement offers. For example, if the injured party has strong evidence to support their claim and the liable party's insurance coverage is substantial, the settlement offer may be higher.

Personal Injury Trials

Trials can result in greater compensation compared to settlements, but there is no guarantee of a favorable outcome. Trials involve filing fees, court costs, and expert witness expenses, making them more expensive than settlements. However, trials provide an opportunity for claimants to seek compensation for pain and suffering, legal fees, and punitive damages in addition to lost wages, medical bills, and property repairs.

Let's say someone is involved in a product liability case and decides to go to trial. If the trial is successful, they may receive compensation not only for their medical expenses and lost income but also for the physical and emotional pain they experienced as a result of the defective product. Additionally, trials are public knowledge, meaning the details of the case and the court's decision are available to the public.

Civil trials involve choosing a jury, opening statements, witness testimony, closing arguments, jury instruction, and deliberation. The decision reached by the judge or jury will determine the outcome of the case. It is important to note that trials can take much longer than settlements, often lasting 12 months or more.

Comparing Settlements and Trials

Settlements offer a faster resolution compared to trials, with compensation received within three months. On the other hand, trials can take 12 months or more to reach a resolution. Additionally, settlements allow parties to maintain control over the outcome, while trials rely on a judge or jury's decision.

Trials provide the potential for higher damages and publicly stating wrongdoing. For example, in a medical malpractice case, a trial may result in a higher compensation amount if it is found that the healthcare provider's negligence caused severe harm to the patient. Furthermore, trials provide an opportunity for the claimant to publicly hold the responsible party accountable for their actions.

On the other hand, settlements provide certainty and confidentiality. By accepting a settlement, claimants can be assured of a specific amount of compensation and avoid the uncertainty of a trial outcome. Settlements also offer privacy, as the details of the settlement and the amount received are not disclosed to the public.


When deciding between a personal injury settlement and a trial, it is important to consult with a personal injury attorney. An attorney experienced in personal injury cases can provide guidance and advocate for the client's best interests. Each case is unique, and the decision between a settlement and a trial should be based on the specific circumstances and individual preferences.

For example, if the injured party values a swift resolution and privacy, a settlement may be the best option. On the other hand, if they believe that a trial could result in higher compensation and public acknowledgment of wrongdoing, they may choose to go to trial. Consulting with an attorney will ensure that the injured party understands the risks and benefits associated with each option and can make an informed decision.