If you do nothing, the statute of limitations will expire, and you will lose the case. The time you have to start a law suit varies from one state to another. In New York, the limit is 3 years from the date of the accident. In New Jersey, you have 6 years to sue for damages to your property (car, for instance) but only 2 years to sue for personal injuries. So, if you wish to be compensated for your economic losses, medical expenses, and injuries, you better stop waiting for the insurance company to take care of our interests voluntarily. And if you cannot make them do what they should have done by now, hire a specialist - a personal injury attorney. But do it right away, because, once the deadline for starting a law suit is passed, no attorney in the world will be able to help you. If, for any reason, testifying in court is not an option for you, consider that many personal injury cases get resolved even without filing an action in the court when the insurance company realizes that there is an attorney representing the injured party and the case will go to the court if the insurer does not offer a reasonable resolution. Vast majority of the cases that do get filed with the court are settled before trial. And, even if your case will proceed to a trial, you might ask your attorney to structure the case in a way that you would not have to testify (it will make his job harder, but, likely, not impossible)
Answered on Jun 05th, 2015 at 2:35 PM