Application Question- civil action

Many of the schools I'm applying to have questions about whether I've ever been a party in a civil action; here's an example from one application:

"Have you ever been a complainant, party or witness to or otherwise involved in any civil or criminal action, proceeding or investigation?"

I haven't yet been involved in something like this, but coincidentally a few months ago, I was in a pretty serious car accident, and I'm currently working with an injury attorney on a personal injury claim. The case may be settled in the next month with the insurance company, but it may not--it's a whole mess having to do with the possibility of opening up the policy, and I'm guessing that would end up involving a civil suit of some kind.

Any advice on how to answer this question? One other factor is that I'm taking the November LSAT, so my application likely won't be reviewed until December anyway. Should I just wait a few months to see how this turns out? Do I need to update the Admissions department for each school if a lawsuit ends up being filed after I submit my application?