Comparison
Settlement vs Trial
Run the expected value with an honest win probability. If trial only wins by a small margin, the certainty of settling is usually worth more than the difference.
Option A
Settle now
In favour
- Certain amount, paid within weeks
- No trial costs or expert fees
- You control the outcome
- Privacy — no public record of the terms
Against
- Almost always below the best-case verdict
- No opportunity to test the defence
- Releases every related claim permanently
vs
Option B
Take it to trial
In favour
- Access to the full verdict range
- Pressure can produce a better late offer
- A public finding of liability
Against
- Months or years of additional delay
- Trial costs are real whether you win or lose
- A defence verdict pays nothing at all
Settle it
Settlement vs Trial Calculator
EV = P(win) × net verdict − P(lose) × trial costs, discounted for time to trial
Estimates, not advice. Every figure here is produced from the inputs you enter and the formula printed on the page. Rules differ by state, carrier, lender and contract, so use these numbers to prepare for a conversation with a qualified professional rather than to replace one. See our full disclaimer.