Most personal injury cases are settled out of court when the various parties accept a settlement after a period of consideration and negotiation. If you can come to an out-of-court agreement that covers your financial debts and adequately covers your other damages, that’s an ideal situation.
However, some cases are worth taking to court because you may end up with a much higher verdict in your favor. For example, this could be the case if you have a medical malpractice case where you believe the judge or jury will have great sympathy for your situation.
The choice of agreeing to a settlement or going to court is ultimately yours. Your lawyer can help you understand your options and the potential outcomes that could occur.