People who own or lease certain Volkswagen and Audi vehicles affected by a federal settlement with the automaker over illegal emissions systems modifications have decisions to make.

Do they turn in the car for a cash settlement or wait for the automaker to come up with a fix to the emissions problem, or do they bypass the settlement and file suit on their own? An estimated 20,000 vehicles bought or leased in Virginia are included in the settlement, which covers certain 2009 through 2015 Volkswagen 2.0 liter diesel models of Jettas, Passats, Golfs and Beetles and the Audi A3.