I have an unbelievably tragic wrongful death car accident case. A very good man with an unbelievably good family - here's a clue: they were/are very concerned about injuries sustained by the man that caused the car accident - was rear-ended by another car at a high rate of speed in Prince George's County.
At first, liability was in serious question. The police report took forever but, ultimately, the Prince George's County Police got it right to the point where it would be virtually impossible to contend otherwise. Liability is clear.
The defendant has a minimum limits policy with Allstate. The decedent and his wife had a $300,000 underinsured motorist policy with GEICO that, while better than most personal car insurance policies, is still awful. GEICO wants us to jump through every single hoop: death certificate, medical records after the accident, and so forth. I'm cool with that actually. GEICO has auditors and they have to answer for the details of their file. I'm more than happy to do my job.
So I talk to the GEICO claims adjuster yesterday- who, by the way is a good claims adjuster and otherwise a nice person - who throws out a "So, ultimately, what do you think this case should settle for?"
Bracketing for just a second how insulting it is to think I might fall for this, I'm wondering: what if I had said, "I think it is worth $200,000." Does the adjuster then extend a settlement offer - to its own policyholder - a value of the case that is certainly far less than it is worth?
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