Progressive insurance has decided that it wants to be more like State Farm. Sort of like DeSantis trying to be Trump. Snake Farm has developed a reputation on my side of the fence for being exceedingly unreasonable on offers and settlements. This is very well known in the business of insurance lawyering. Does this help their bottom line? I don’t really know. What is clear is that State Farm’s business is not doing well because their claims paid exceeded their policy premiums. Is that the result of poor decision making on evaluating claims? I don’t know, but I would like to think so. If you are a State Farm customer or now a Progressive customer, you can probably expect to find yourself a defendant in a lawsuit if you cause an accident. Many other companies, that care about their insureds, will settle cases pre-suit so you don’t have to be sued. Not progressive or snake farm.
Recently, I had a client rear ended and he needed surgery due to the crash. No real dispute there. The man had the surgery. There is only $15,000 in coverage due to that being the PA state minimum. The man’s case is worth $300,000. Progressive will not tender or offer its policy limits. Why? Because that is not their current policy. It is stupid and bad faith. But there is no such thing as suing your adversary’s insurer for bad faith. What could happen is that Progressive will force this to go to Court, the case will proceed, and they will eventually offer $15,000 for the man. An indigent client may take that. From my perspective, the ideal resolution is that the client rejects that $15,000 and we take a verdict of $300,000. Then, we turn around and say to the defendant driver and Progressive insured, pay me $300,000 minus the $15,000 insurance. The defendant says I cannot afford that. We then say, well your insurer could have settled the case for $15,000 but chose to expose you to $300,000. Would you like to assign your bad faith claim to my clients in exchange for our forgoing the claim against you for all of your assets forever? Yes, kind sir, where do I sign, he would say. Then, we would have a very nice case against Progressive. Progressive is banking on this not happening, but not infrequently, State Farm must pay verdicts that are 10 times the amount of the last offer. So, we shall see how this plays out.
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How Does Where You Live Affect Your Ability to Obtain Justice/Vengeance
Posted on August 09, 2023 in Case Matters
This is a weird self-perpetuating conundrum. If you live in a rural venue, the quality of justice you will receive is far less rewarding than you would receive for the identical event in Philly or Pittsburgh. Outside the major cities in Pennsylvania, voters are fairly conservative or far less democratic and hence liberal in their views. This more conservative bent is a major factor in deciding whether I will file a medical malpractice case for you in a rural county. The answer is almost always nope. And even simple auto cases get lower values in the rural areas. It is just the way it is. So, what is happening is that people in more rural areas do not get the justice or vengeance that they would like to get as compared to their more urban fellow citizens. The result of this is that there is less of a negative feedback loop for medical providers in the area. There are fewer malpractice suits and even bad instances of malpractice are not brought because the reward in the conservative venue will not outweigh the costs of pursuing the case. This then perpetuates a view among my more conservative clients that life is not fair and that they are not entitled to the same justice as one would get in Philly. They are right, but the reason that they are right is wrapped up in their desire to live in a more rural, conservative area. You don’t get big jury verdicts in conservative venues. It will happen periodically, but it is unusual. I once had a now-retired judge in Delaware County tell me that jurors there toss around nickels like they are manhole covers. And Delco is not near as bad as more northern or western venues.
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Things That We Should Change
Posted on August 09, 2023 in Case Matters
- The state minimum insurance coverage is $15,000. This has not changed for years and is simply unfair to 75% of my clients.
- Limited tort is simply a scam crafted by the insurers. Don’t have this on your auto insurance.
- Fetterman should wear a suit to the Senate. I have to wear a suit to Court. I got chastised recently for appearing on Zoom Court with a shirt and tie but no jacket. I was surprised but went and got my jacket….. not my hoodie. C’mon man.
- The government needs to do something about the ATV riders in Philadelphia. It’s simply absurd. I was driving around north Philly the other day to see a client and the noise and recklessness of these riders is comical and pathetic.
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Pan Mass Challenge Completed
Posted on August 09, 2023 in holiday
I had a nice 200-mile ride across Massachusetts this past weekend. The weather was about 72 degrees and partly sunny, which is perfect weather for cycling. We have raised $50 Million so far as of this weekend and probably will get to $70 Million. Not a bad haul and all rider dollars go to Dana Farber. My team, Brooklyn Love, did great as usual. For six people from different backgrounds, with ages ranging from 45 to 70, we all rode the ride at right around 17mph, which is not too shabby. On our own we would have gone about 15mph, but the draft from 5,000 people around you gets another 2 mph, which ads up over the course of 200 miles. Anyway, a lovely weekend!
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