Insurance companies will always want to settle right away, before the claimant has a chance to retain representation. Once lawyers are introduced into the equation the whole process slows down. If this actually goes to court, it could be years before any of the injured receive compensation. The longer the process, usually the higher the settlement. If a claimant is physically unable to return to work and consequently unable to pay their bills, mortgage, etc. and the lawyers feel that it is a slam dunk win, the law firm will usually step up and provide financial aid to their claimant throughout the litigation process and will add those costs to the settlement.