The reason an experienced lawyer with trial experience is important to have on your side is to ensure that the attorney has knowledge tempered by experience to represent you in an action. This should include having trial experience as the insurance companies are fully aware of those attorneys who are capable of litigating a case, rather than simply settling it. If the insurance company believes that your attorney will not file a lawsuit or try the case if necessary, they will offer less money banking on the settlement being less then the value of the case if it were tried.