No doubt the U.S.has become the land of litigation , but there is one concept that comes to mind that I haven't heard much mention of - the concept of Principles . If my insurance company would rather pay (and run ) rather than stand (and fight)on principle, then I would be looking for a new insurer. Some of the blame lies with ourselves when we are prepared to let insurance companies (and by extension,dare I say it ...their Lawyers)dictate how we should do business.
In my part of the country an individual is only as good as their word. Call me naive,but I believe the days of business done by handshake will only die if we decide to stop shaking hands .