All too often this is not the case in premise liability cases. Instead, Corporate America can make the decision to be self-insured. It presents a much nicer bottom line if the business can predetermine the outcome of its own premise liability claims. This is especially true if the business has designed and funded its own liability insurance without medical pay outs as an option. With no medical pay out available, the injured party is often forced to settle the claim within days of the incident.
Federal statistics show most of middle America is under insured.
High pressure tactics by company representatives are often used against the injured. These tactics often work. Money is required to obtain the much needed medical attention to survive the injury and to adjust to a new life of disfigurement and pain. Without the financial wherewithal to obtain medical services, the injured party has little option but to settle the claim immediately. The only prices which are falling are the ones which are set on the value of a previously healthy human being's quality of life.