A Cobra Valuation question

[STLUCIE]

Originally Posted by patrickt

1) The insured picks a high number for loss of use.
2) The insurance carrier picks a low number.
3) Both sides hire prostitutes to opine on the value.
4) Both sides depose the other side's prostitute and run up billable hours.
5) The carrier tries to keep the case from going to a jury. Juries hate insurance carriers.
6) If the carrier can't keep the case out of the hands of a jury, they will likely settle for a higher number.
7) If they can keep the case away from a jury they will settle, but for less.
8) If the insured is unreasonable, the case will not settle.

All numbers are just made up by whatever side you're on. That's how the game is played.

1) The insured picks a high number for loss of use. THAT IS NOT TRUE IN OUR CASE. I AM SEEKING FACTUAL INFORMATION, OR, AT LEAST, VALID ANECDOTAL INFORMATION.
2) The insurance carrier picks a low number. THIS IS TYPICAL BUT NOT A HARD AND FAST RULE OF THUMB.
3) Both sides hire prostitutes to opine on the value. I READ THIS AS YOUR BEING FAMILIAR WITH PROSTITUTES SO YOU WOULD KNOW THAT THEIR SERVICES ARE QUICKLY RENDERED. I OUR JOB IS TO RESEARCH AND THE AMOUNT OF TIME I HAVE SPENT JUST IN THIS ONE FORUM SHOULD AT LEAST CONVINCE EVEN AN A DOPE WHO CONTRIBUTES NOTHING THAT MY ACTIONS CANNOT BE COMPARED TO PROSTITUTION.
4) Both sides depose the other side's prostitute and run up billable hours. THE LEGAL SYSTEM WORKS THAT WAY. ON THAT NOTE, WE CHARGE NO ADDITIONAL FEES TO DO ALL OF THIS RESEARCH. IT IS JUST CALLED TRYING TO DO THE BEST JOB THAT WE CAN.
5) The carrier tries to keep the case from going to a jury. Juries hate insurance carriers. SOMETIMES INSURERS DON'T LIKE TO SETTLE UNTIL THEY REACH THE COURTHOUSE STEPS.
6) If the carrier can't keep the case out of the hands of a jury, they will likely settle for a higher number. ONLY IF THE THIS ATTORNEY WHACKS THEM WITH SOMETHING OF SUBSTANCE. I SEE "EXPERTS" ALL THE TIME WHOSE ONLY METHODOLOGY IS "BASED ON THEIR OPINIONS GAINED DURING THEIR 30 YEARS OF APPRAISING THINS - NOT MUCH ELSE. IN FACT, I AM ABOUT TO READ THE DEPOSITION GIVEN BY THE COBRA "EXPERT". MAYBE IT WAS YOU?
7) If they can keep the case away from a jury they will settle, but for less. YOU ALREADY SAID THAT.
8) If the insured is unreasonable, the case will not settle. ALSO, REMAINS TO BE SEEN BUT PART AND PARCEL OF THE LEGAL SYSTEM.

All numbers are just made up by whatever side you're on. That's how the game is played. NO, IT'S NOT COOL, AS YOU PUT IT, TO MAKE UP NUM BERS IN ORDER TO SCREW SOMEONE, BUILD UP YOUR REPUTATION, GET BONUSES, CLOG UP THE COURTS, ETC. HAVE ANYTHING HELPFUL TO CONTRIBUTE? IF NOT, WHY ARE YOU HERE?