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It’s common for many personal injury claims to settle before going to trial. However, high-value catastrophic injury claims typically go to trial more often than other types of personal injury claims. If you receive a settlement offer, it could be a sign that the insurance company is trying to pay you a smaller amount to avoid a large payout from a jury. Sometimes these offers come before you know the full extent of the injuries. Doctors or lawyers might not even categorize the injury as permanent when you receive an offer. The reality of suffering a catastrophic injury is that you will need money to pay for care and/or treatment and to replace lost wages for you or your loved one for the rest of their life. Accepting an offer means you must waive your right to seek future compensation, so it’s always in your best interest to let a lawyer review the offer.