Will My Personal Injury Case Go to Trial or Can It Be Settled Out of Court?

The moment you file a personal injury claim, a new source of anxiety often sets in. You are already dealing with physical pain, mounting medical bills from a local emergency room like Memorial Hermann or Houston Methodist, and the stress of missing work. Now, you have to worry about the legal process itself. For many people in Katy and the greater Houston area, the idea of “going to court” is terrifying. It conjures images of aggressive cross-examinations, intimidating judges, and the unpredictable nature of a jury trial. You might be asking yourself: Do I really have to go through a trial just to get my medical bills paid?

The short answer is: Probably not.

While every case is unique, the vast majority of personal injury claims in Texas—estimates often range between 90% and 95%—are resolved through a settlement before a trial ever begins. However, understanding why some cases settle and why others must go to a jury is vital for setting your expectations and protecting your financial future.

The Difference Between Settlement and Trial

To navigate this process, you first need to understand the two distinct paths your case can take. Both share the same goal: securing fair compensation for your injuries. The difference lies in who decides the outcome.

What is a Settlement?

A settlement is a voluntary agreement between you (the plaintiff) and the at-fault party’s insurance company (the defendant). In exchange for a guaranteed sum of money, you agree to drop your legal claim and release the other party from any further liability.

• Who decides: You and the insurance company come to a mutual agreement.
• Control: You have the final say on whether to accept an offer.
• Risk: You know exactly how much money you will receive.
• Timeline: Generally faster, often resolving in months rather than years.

What is a Trial?

A trial is a formal legal proceeding where both sides present evidence and arguments to a judge or jury.

• Who decides: A jury of 12 strangers (in district court) or six (in county court).
• Control: You lose control over the outcome. The jury decides if you get paid and how much.
• Risk: You could win millions, or you could walk away with nothing if the jury rules against you.
• Timeline: Much slower. Due to crowded dockets in counties like Harris, Fort Bend, and Waller, getting to trial can take years.

Why Do Most Texas Injury Cases Settle?

Insurance companies are profit-driven businesses. Trials are expensive, risky, and unpredictable for them. They have to pay high-priced defense attorneys by the hour to prepare for and sit through a trial. If a jury gets angry at the defendant’s conduct—for example, if a drunk driver hits you on the Grand Parkway—the verdict could be massive.

Because of this, insurers are usually motivated to settle. They prefer the certainty of a negotiated payout over the wildcard of a Texas jury.

Similarly, for you as the plaintiff, a settlement offers a guaranteed recovery without the stress and delay of litigation. If the insurance company offers a fair amount that covers your past and future medical needs, lost wages, and pain and suffering, accepting the settlement is often the most logical choice.

The “Pre-Litigation” Phase: Where Settlements Start

Most cases begin in a phase called pre-litigation. This occurs before a lawsuit is ever filed with the court.

Investigation and Treatment

Your focus during this time is on recovery. You attend your doctor appointments and physical therapy sessions. Meanwhile, your legal team investigates the accident, gathers police reports from agencies like the Katy Police Department or Harris County Sheriff’s Office, and interviews witnesses.

Maximum Medical Improvement (MMI)

Negotiations typically shouldn’t begin until you reach MMI. This is the point where your doctor states your condition is stable, and they can accurately predict your future medical needs. Negotiating too early is a mistake; if you settle before you know you need surgery next year, you cannot go back and ask for more money later.

The Demand Package

Once damages are calculated, your attorney sends a comprehensive demand letter to the insurance adjuster. This document lays out the facts of the accident, explains why their insured is liable under Texas law, and provides evidence of your injuries and financial losses.

Negotiation

The insurance adjuster will respond, usually with a lower counteroffer. This kicks off a back-and-forth negotiation process. If the adjuster acts reasonably and offers a fair sum, the case settles here. If they deny liability or lowball the value of your claim, the case moves to the next stage.

When Is Filing a Lawsuit Necessary?

If the insurance company refuses to pay what your case is truly worth, filing a lawsuit becomes necessary. However, filing a lawsuit does not mean you are definitely going to trial. It simply moves the case into the formal court system and puts pressure on the insurance company.

There are three common reasons why negotiations fail and a lawsuit must be filed:

Disputes Over Liability (Who is at Fault?)

Texas follows a “modified comparative negligence” rule (proportionate responsibility). Under Chapter 33 of the Texas Civil Practice and Remedies Code, if you are found to be more than 50% responsible for the accident, you are barred from recovering any damages.

• The Insurance Tactic: Adjusters frequently try to pin the blame on you. They might argue you were speeding on I-10 or looked at your phone before the crash. If they refuse to accept 100% liability, a lawsuit allows us to use the court’s subpoena power to find evidence (like cell phone records or black box data) that proves the other driver was at fault.

Disputes Over Damages (How Badly Are You Hurt?)

The insurer may admit their driver hit you but argue that your injuries aren’t that severe.

• The “Pre-Existing Condition” Argument: They might claim your back pain is from an old sports injury, not the car wreck.
• The “Gap in Treatment” Argument: If you waited a week to see a doctor, they will argue you weren’t really hurt.
  In these scenarios, litigation is necessary to bring in medical experts who can testify that the crash caused your specific injuries.

Bad Faith or Lowball Offers

Sometimes, insurance carriers simply refuse to offer a fair amount, hoping you are desperate enough to take pennies on the dollar. Filing suit shows them you are serious and willing to let a jury decide the value of the claim.

The Litigation Process: Steps Before Trial

Once a lawsuit is filed in the appropriate court—whether that’s the Harris County District Courts downtown or a local court in Fort Bend or Waller County—a new timeline begins. Interestingly, most cases that are filed still settle during this phase.

Discovery

This is the information-gathering phase. Both sides exchange written questions (interrogatories) and request documents.

• Depositions: This is a key part of discovery. You, the defendant, and witnesses will answer questions under oath in a conference room, recorded by a court reporter. A strong performance in a deposition can often force an insurance company to increase its settlement offer.

Mediation

Before a case goes to trial, most Texas judges will order the parties to attend mediation.

• What happens: You and your lawyer go to a neutral mediator’s office (or meet via Zoom). The mediator, usually an experienced lawyer or former judge, goes back and forth between the two sides, trying to bridge the gap.
• Success rate: Mediation is highly effective. A significant percentage of lawsuits are resolved on this day.

What Actually Happens at a Personal Injury Trial?

If mediation fails and the insurance company still won’t pay, the case goes to trial. While this can be intimidating, knowing the sequence of events can help reduce the fear.

• Jury Selection (Voir Dire): Your attorney and the defense attorney ask potential jurors questions to weed out biases.
• Opening Statements: Each side gives a roadmap of what they intend to prove.
• Plaintiff’s Case-in-Chief: This is your side of the story. We call witnesses (doctors, eyewitnesses, family members) and present evidence. You will likely take the stand to tell your story.
• Defense’s Case: The defense tries to poke holes in your story or minimize your injuries.
• Closing Arguments: The attorneys summarize the evidence and ask the jury for a specific verdict.
• Deliberation and Verdict: The jury goes into a private room to decide two things: Was the defendant negligent? And if so, how much money should you receive?

Factors That Influence the “Settle vs. Trial” Decision

Ultimately, the decision to settle or go to trial is yours. Your attorney provides the legal strategy and advice, but you sign the check. Here are the factors we weigh together:

• Certainty vs. Gamble: Are you willing to risk a guaranteed $50,000 settlement for a chance at $100,000 at trial, knowing you could also get $0?
• Time: Are you prepared to wait another 12 to 18 months for a trial date?
• Privacy: Trials are public record. Settlements are generally private.
• Costs: Taking a case to trial increases expenses (expert witness fees, court costs, deposition costs). These costs are usually deducted from your final recovery. We calculate whether the potential increase in the verdict amount justifies the increased cost of getting there.

Common Questions About Personal Injury Settlements

Can I settle my case after a lawsuit is filed?

Yes. You can settle your case at any point—during discovery, during mediation, or even on the courthouse steps on the morning of the trial.

Does going to trial mean I will get more money?

Not necessarily. While jury verdicts can be large, they can also be surprisingly low. Furthermore, trials are expensive. After deducting increased legal costs and expert fees, a “larger” verdict might result in less money in your pocket than a strategic settlement would have.

How long does a settlement check take to arrive?

Once a settlement agreement is signed, Texas law generally requires insurance companies to pay promptly. You can usually expect the funds to be deposited into your attorney’s trust account within 14 to 30 days of signing the release.

What if the at-fault driver has no insurance?

If the other driver is uninsured, a lawsuit against them personally may result in a “paper judgment”—a legal ruling that they owe you money, which they simply cannot pay. In this case, we would look to your own Uninsured/Underinsured Motorist (UM/UIM) coverage. Your own insurance company then steps into the shoes of the at-fault driver. These claims can also be settled or taken to trial if your insurer acts in bad faith.

Protecting Your Rights After a Texas Accident

Whether your case ends in a quiet conference room settlement or a dramatic courtroom verdict, the outcome depends heavily on the work done in the very beginning. Evidence disappears, memories fade, and insurance adjusters start building their defense immediately. At Will Adams Law Firm PLLC, we understand the stress you are under. We handle the heavy lifting—dealing with aggressive adjusters, gathering evidence, and fighting for your future—so you can focus on healing.

If you are unsure about the value of your claim or whether you should accept a settlement offer, contact us today at (281) 371-6345 for a free and confidential consultation. We are here to listen to your story and give you an honest assessment of your options.