Insurance companies will almost always choose to settle car accident claims instead of engaging in lawsuits because they are more cost-effective. These companies want to pay as little as possible to the claimant and make money from the premiums they charge. They will try to minimize their liability and the amount of money they have to pay.
When you get a call from the insurance company with an offer, recognize that the offer may not be the best possible amount that you are eligible to receive. If you think you deserve more than what the insurance company is offering, contact a car accident law firm and find out more about your options of filing a legal claim.