A: This is called a 'bifurcated' trial. The reason is to see first if there's liability against the other driver. If there is, the trial will proceed to damages. If there's no liability against the other driver, the case ends there, and there is no need to continue the trial to have a jury evaluate your injuries. In some cases, the damages trial is tried days or even weeks later than the liability trial. In many cases the insurance company actually waits to see if their client bears any responsiblity before deciding whether to settle the case. Often a settlement offer will happen only after a liability verdict against their client.