In most cases we handle, but not all, an offer of settlement is made by the insurance company. As attorneys, we obviously give advice as to whether we believe that the offer is a fair offer, a bad offer, or somewhere in between. The client will ultimately decide whether to accept an offer or whether to continue negotiating with the insurance carrier. Once the insurance company has offered all they will voluntary pay for a case, a decision must be made by the client whether to accept the offer, or reject the offer and let a jury decide the case at trial. Over the past several years, negotiating with insurance companies has gotten increasingly difficult. We have found that in a large majority of cases, we do not receive a fair settlement offer from the insurance company until after we have actually filed suit, obtained a trial date, and prepared the case for trial.