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Before a trial begins, there are investigations, settlement negotiations, pretrial motions, insurance claims, medical evaluations, and more. Our personal injury lawyers will explain to you the best time to accept a settlement offer and the consequences of signing one too early.The general rule is that you cannot file suit after settling your injury claim. However, there are exceptions. Learn how to fully describe your injuries and damages in a demand letter to get the most value out of your personal injury claim. A demand letter is simply a written request to settle your personal injury claim before you file a lawsuit. The next step is as follows. It is normal to refuse a settlement offer.