Bad Facts and Serious Injuries
Some lawsuits are based on clear liability and terrible facts and injuries that compel the parties involved to settle the case as quickly as possible. In such cases defending and indemnifying the insured is liable to be costly. If the adjuster’s reaction to the fact pattern is disbelief or horror, and his or her first impulse is to trade the claim to another adjuster, these are signs that the case must be settled quickly. Bad facts and bad injuries get more expensive with time. These cases should not be aggressively defended but should rather be handled with empathy and generosity so that they can be resolved within the limits available from the insured’s policy.
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