Is it Better to Accept a Settlement Offer?

One of the most common questions we get is whether it’s better to accept a settlement in a Missouri personal injury claim or take the case to trial. It’s a crucial decision, and here’s why – most personal injury cases end in settlements rather than a courtroom verdict. Insurance settlements often offer a quicker, more straightforward way to close a case. But does that mean accepting a settlement is always the best choice?

The Missouri personal injury lawyers at Holland Injury Law believe it’s vital for our clients to understand all their options. This blog will help you understand when it’s better to accept a settlement offer and when you might want to take your case to trial.

What’s Involved in a Missouri Injury Settlement?

Before accepting a settlement in a Missouri personal injury claim, you need to know what that decision means. A personal injury settlement is an agreement between you and the party responsible for your injuries where they (or, more typically, their insurance company) agree to pay you a certain sum in exchange for not taking the case to trial. 

This process involves discussions and negotiations, often with the help of lawyers, to figure out a fair amount of compensation based on your injuries and their impact on your life. Once both sides agree on a number and the terms, you receive the agreed-upon amount in exchange for your agreement not to pursue any further legal action based on your injury. This way, you can get the financial support you need to help with your recovery and move forward without the uncertainty of a trial.

Pros and Cons of Accepting a Personal Injury Settlement

Deciding whether to accept a settlement offer is a pivotal moment in Missouri personal injury claims. It’s crucial to weigh the benefits and drawbacks carefully to make an informed decision. 


  • Faster Resolution: Settlements usually mean you get compensation faster, helping you cover your medical bills and other expenses without a lengthy trial.
  • Guaranteed Outcome: When you accept a settlement, you know exactly what you’re getting. There’s no risk of a trial with an uncertain outcome.
  • Less Stress: Trials can be stressful and emotionally draining. Settling out of court keeps things simpler and can spare you the anxiety of a public legal battle.
  • Lower Costs: Going to trial can be expensive. By settling, you can avoid many of the additional costs of courtroom proceedings.


  • Potential for Lower Compensation: Settlements might be lower than what you could win at trial, especially if you have a compelling case.
  • No Public Record: If your goal is to bring attention to a negligent party for public safety or awareness, a private settlement won’t create a public record of the proceedings.
  • Feeling of Incompleteness: Some people feel that accepting a settlement means they didn’t fully hold the other party accountable, which can lead to a sense of unresolved justice.


Talk to Our Missouri Personal Injury Attorneys Before Accepting Any Settlement

Before making any decisions about accepting a personal injury settlement, it’s crucial to get the right advice. The Clayton, Missouri, personal injury lawyers at Holland Injury Law can tell you whether accepting a settlement is the right move and assist you in maximizing your compensation. Call us today at (314) 888-7888 or complete our contact form for a free consultation.

Related Post