There are a variety of ways to resolve a personal injury claim after an accident. Insurance could cover medical expenses or a case could go to trial, resulting in a verdict and monetary award. However the majority of cases are settled out of court (at or before compulsory conferences).
These settlements are often negotiated by personal injury lawyers from both sides. But this isn’t necessarily the quickest, cheapest or best option for the injured party. Accepting a settlement directly from the other party without consulting a lawyer can be especially risky.