No you don't have to but in many instances you will receive more compensation by doing so. The fact is that many Maryland car accident cases involve limited available insurance and once the insurance limits are gobbled up, it is rarely worth pursuing the at-fault driver for any perceived underpayment.
Trials of large cases invariably involve medical expert testimony and that is expensive. Similarly depositions if frequent enough and long enough can eat up money that would otherwise go in your pocket.
