[Rick Lee]

That leads to another question. Why do insurance companies always settle so easily, when it's so unlikely a claimant would bother with a lawyer to fight a denial for a dubious claim? Seems to me, putting up any kind of fight would not only save the insur. co. the payout, but might discourage more frivolous claims in the future. Look, if this guy is really hurt, then I want things made right, regardless of who's at fault legally or morally. But if his injury is directly proportional to my insur. coverage, then I'd like to see USAA put up a bit of a fight, both to protect themselves, me and future victims.