In the event that you do not consider the settlement offer from ICBC to be reasonable, you may proceed to a trial where a judge or jury will make a judgment on your claim. Very few claims go to trial. Trials are costly and can be risky. Whether or not you have a lawyer, you can decide to settle your matter at any time.
An alternative to trial is mediation. A mediator is an independent person whose role is to help both sides reach a settlement. Either you or ICBC can require the other parties to go through mediation, although there is no obligation to settle at the mediation.
No one can predict the outcome of a trial with certainty. There is always risk, but if your claim does go to trial, your lawyer will help you obtain the best possible result.
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