Unfortunately this is not entirely within your control. It takes two to tango. Insurance companies quite often make unreasonable offers. Offers that do not even repay medical bills. Or, no offer at all.
I love being a lawyer. I love what I do. But, I also know lawsuits are no fun for clients. We make every reasonable effort to settle cases before and also after they are filed in court. Some cases settle without a lawsuit ever being filed. Some settle on the eve of trial. Most will settle before trial, but many will not.
See our more complete discussion of factors that can keep your case from settling.