If an insurance company see their client is clearly at fault will try to settle?

Question

If an insurance company( general Liablity) see their client was clearly at fault, was negligence and liable for an injury that occur on his property will they try to settle with the injury person or will they take it to court to fight it?

Answer 1

Depends on a couple of things:

1. Regardless of their client being "clearly at fault", was the incident COVERED under the policy? If it's not covered, there won't be a settlement, even if their client is 110% at fault.

2. Is the claimant demanding a REASONABLE settlement, or looking to retire off of a (figurative) broken fingernail? If the claimant is unrealistic about how much the claim is "worth" (meaning, how much a judge would likely give you), then heck yes, they'll fight it.

If there's coverage under the policy, fault is clear, and the claimant is asking for reasonable damages, then they'll try to settle.

Answer 2

An insurance company will always take the cheaper way out. What this means is if they think it will be cheaper to settle than to go to court, they will do so (typically the way it goes). If they feel that they can get a case dismissed quickly, they might decide to go to court. It just depends on the situation.

Negligence is a funny thing meaning that it can sometimes be hard to determine where negligence falls looking in from the outside especially when stories differ and everyone is pointing a finger at someone else.

Either way the company is required to investigate the claim fully and will do so prior to offering any kind of settlement or deciding to go to court.

I hope this info helps!

Answer 3

They will try to settle out of court and fast before the injured party changes their mind, sees a lawyer and tries to get more.