Insurance companies often drag out the settlement process because it works to their advantage. Insurance companies hold onto your settlement money while you suffer financially and become more desperate for a settlement. The settlement process involves extensive tedious information gathering such as confirmation of insurance coverage, gathering of medical records, lost wage information, witness statements, pictures, etc.
Once the necessary records are obtained a settlement proposal is sent to the insurance company and settlement negotiations begin. The insurance company will often make ridiculously low settlement offers which must be responded to firmly with a threat of a law suit and trial. An accident attorney who has a reputation for winning at trial will usually succeed in getting a fair settlement without going to trial because the insurance company doesn’t want to go to trial and lose.