01

Information gathering and evaluation

Records, parties, potential coverage, legal rules, and the effects of the injury may be investigated before a course is chosen. The order and duration depend on the circumstances.

02

Claim presentation and negotiation

A party may receive notice and supporting information, investigate, request more material, accept or dispute points, or discuss resolution. No response or settlement is guaranteed.

03

Filing and discovery

If a lawsuit is filed, procedural rules govern pleadings and service. Discovery can require parties to exchange documents and information; depositions may involve sworn testimony recorded before trial.

04

Resolution, trial, or another outcome

A matter may resolve through agreement, a court ruling, trial, dismissal, or another procedure. Before accepting a settlement, ask for the terms and financial accounting in writing.