What was the difference between the offered settlement and the desired outcome of winning the trial?
And how did your lawyer even let this get out of discovery? Were you paralyzed or something? Drunk driver? AFAIK they don't assemble juries for run of the mill accidents. In Canada, torts cases run either judge-alone or jury of...6? I think... Anyway, some lawyers up here prefer jury trials because they believe it is easier to get a jury to sympathize with you than it is to get a crusty old judge who's heard it all before to sympathize. But virtually all cases are open-and-shut and end in settlement, or a pre-trial decision. Also mediation and arbitration are frequently recommended because of the high cost (in $ and time) of litigation. When a case does go to the jury, I still believe it is the judge who assesses damages, possibly because of the bias towards finding for the defendant that you've mentioned. Not sure if it's different in the US.
I feel it is important to mention that none of my statements have been fact-checked and every single one of them could be wrong. I'm just trying to wrap my head around this, but I'm not a lawyer.