Many people think that if they file a personal injury claim that they automatically are suing someone. This is simply not true. Many personal injury claims are settled without ever filing a lawsuit or getting close to any courtroom. But, if an insurance company refuses to pay you what you think is fair, then you have the right to move your case forward in the legal process and to file a lawsuit. Remember, except for instances where your Statute of Limitations is approaching, the decision on whether or not a lawsuit should be filed is yours, and even if you do file a lawsuit you will, in most circumstances, continue to seek your recovery from an insurance company.