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Well Rodeo, I think the equation was more that the insurance company thought that it would cost them more than $40k to fight the case, hence why they settled.
In my single experience with a civil lawsuit, it became painfully clear right away that the issue was no longer who was right or wrong, it was a war of attrition with both sides just concerned about how much it would cost them to keep fighting versus any settlement they may or may not get.
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Rick
1984 911 coupe
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