There is a significant difference between a personal injury insurance claim and a lawsuit. A personal injury claim is simply a demand for financial compensation after a collision. When you are in a motorcycle accident in Texas, you contact the at-fault motorist’s insurance company with a record of your losses and ask for compensation.

A lawsuit is a formal legal action that the injury victim might file if the insurance company denies their claim or is otherwise unreasonable. During a lawsuit, the plaintiff and defendant present evidence, and then a judge or jury decides on a final verdict. In other words, an insurance claim is the first demand for payment, while a lawsuit is a legal process that resolves claim disputes.