http://liboandkorek.bcz.com/2017/12/25/the-consequences-of-not-seeking-accident-compensation/ One of the most important reasons to file any lawsuit is to prevent future problems. Not everyone takes responsibility for their actions. When insurance companies pay out money because of the behavior of one of their clients, they rate the person as a risk and charge higher rates or cancel their coverage. These actions force people to either act more responsibly or spend substantially more for their insurance coverage. When the injury is not related to a vehicle accident but is caused by a landlord, doctor or business owner not performing their duties properly it lets licensing boards and others know of their unprofessional behavior. hourly 1