Basic Principles in Bus Accident Cases
John D. Winer, San Francisco
A. The Law of Bus Accident Cases May Differ Depending on
Who Owned the Bus and Whether or Not the Victim Was a
Passenger on the Bus.
Depending upon the following circumstances, the liability
and responsibility for damages to a person injured or killed
in a bus accident may differ:
► was the bus owned by a public entity or private
company?
► was the plaintiff a “passenger” on the bus or
someone who was otherwise involved in an
accident with the bus?
As will be stated in more detail below, if a bus is owned
and operated by a public entity, i.e., a government entity,
such as the Municipal Railway in San Francisco, the same
limitations that apply to all government liability cases will
apply to accident involving buses, independent of whether the
plaintiff was or was not a passenger on the bus.
The most significant of these limitations is that a claim
must be brought against the bus company and/or public entity
within six months of the date of the accident (or the date
that the cause of action accrued); a settlement or verdict
over $500,000 can be paid out over time; and the plaintiff is
not entitled to recover punitive damages. If the bus is
privately owned, none of the above limitations apply.
If the plaintiff is a passenger on the bus, the bus
company, whether public or private, owes that plaintiff the
“utmost duty of care” because it is considered under law to be
a “common carrier.” This will be explained in detail below;
however, this duty of utmost care owed to passengers is higher
than the ordinary negligence duty owed by the bus company to
drivers of other vehicles and pedestrians.
B. Who Can a Bus Passenger Sue.
A bus passenger is not limited to suing a bus driver or
bus company in the case of an accident. Rather, the passenger
can sue anybody who is responsible for their injuries
including another vehicle driver that causes the collision, a
dangerous condition of public or private property that causes
the collision, the manufacturer and supplier of the bus or any
other person or entity who negligently contributed to the
injury or death.
The spouse of the injured plaintiff can also bring a
lawsuit for loss of consortium damages; that is, damages for
the loss of society, comfort and care of the injured
plaintiff. See the section on Damages in this article.
C. Cases Against Buses That Are Owned and Operated by
Public Entities.
i. Limitations in public entity cases apply to
cases involving a publically-owned bus company.
Cases against bus companies that are owned or operated by
public entities are subjected to all of the limitations and
pleading requirements that apply to any government liability
case. Most significantly, this includes:
a. A special claim requirement that shortens
the ordinary one-year statute of
limitations.
A formal, written claim with certain procedural
requirements must be brought against a public entity within
six months of the date of the accident (or the accrual of the
cause of action). There are exceptions to this claim
requirement so a potential plaintiff should still seek the
advice of an attorney if they believe that they have been
injured or a loved one killed by a public entity bus.
b. Installment payments allowed.
Any verdict for over $500,000 can be paid in installments
at the public entity’s election.
c. No punitive damage award against the public
entity.
There can be no award for punitive damages against the
public entity itself, although there can be an award against
the bus driver or any other public employee responsible for
the accident.
d. Some immunities may apply.
In certain cases in which the plaintiff is claiming that
something other than the negligent operation and maintenance
of the bus caused or contributed to the accident, a public
entity may have immunities which a private bus company would
not have. For instance, a public entity may be immune from
liability for the negligent design of a bus route.
ii. Dangerous condition of property cases involving
bus stops or buses owned by public entities.
a. Higher standard of proof for dangerous
condition cases against public entities.
When a case involves an allegation of dangerous condition
of public property, such as the design of a bus or a bus stop,
a plaintiff must establish more than the mere existence of a
dangerous condition and the public entity may be immune for
the design of the bus and the bus stop under certain
circumstances.
iii. Standard for public entity liability when
bus accident involves a dangerous condition
of public property claim.
A public entity is only liable for an injury or death
proximately caused by a dangerous condition of its property if
the property created a reasonably foreseeable risk of that
kind of injury, and either the entity’s employee created the
dangerous condition within the scope of employment or it had
actual or constructive notice of the condition in time to have
taken protective measures.
a. Substantial defect requirement.
For a condition to be dangerous, it has to create a
“substantial” not “trivial” risk of injury when the property
is used in a foreseeable manner.
b. Notice requirement.
Further, the public entity must have notice of the
dangerous condition involving the bus or bus stop unless it
created it.
c. Design immunity.
Further, if it did create the dangerous condition, it may
be immune under “design immunity” if the public entity can
establish that the alleged dangerous condition was caused by a
“defect” in the plan or design of a public improvement, such
as a bus stop or bus route, if:
► a causal relationship existed between the plan
or design and the accident.
► the entity or an employee exercising
discretionary authority approved and advanced
the plan, design or standards for it.
► substantial evidence supported the
reasonableness of the plan or design.
iv. Dangerous conditions created by privately-owned
bus cases do not have any of the special
restrictions, limitations and immunities listed
above.
Cases against privately owned busing companies for
negligent maintenance and operation of a bus or a dangerous
condition of its own property, do not contain the same
restrictions, limitations and immunities that apply to public
entities.
D. Duty of a Public Entity or Private Bus Company to its
Passengers.
i. Common carrier duty generally.
As previously mentioned, either a public entity or private
bus company owes the “utmost duty of care” to its paying
passengers because it is a “common carrier” under the law.
The law recognizes that passengers who are paying an entity to
transport them safely are entitled to special protections.
ii. Obligation of a common carrier.
A common carrier must, if able to do so, accept and carry
whatever (and whomever) is offered to it and must not give
preference in time, price or otherwise to one person over
another.
iii. Bus company must not discriminate.
Thus, liability can be established for discriminating
against one person or a class of people, and the
discriminatory rejection or ejection of passengers can lead to
liability.
There are exceptions such as danger to other passengers in
which a common carrier would not be found liable for rejecting
or ejecting a potential passenger.
iv. The special duty of a common carrier to
passengers.
A bus company that transports passengers in exchange for
money must use the utmost care and diligence for their safe
carriage, provide everything necessary for that purpose, and
exercise a reasonable degree of skill.
A bus company must do all that human care, vigilance and
foresight can reasonably do under the circumstances and is
responsible for even the slightest negligence.
However, a bus company is not an “insurer” and is not
liable for injury to its passengers without some negligence on
its part.
Further, the bus company must exercise the utmost care to
provide safe, suitable and efficient buses for the conveyance
of passengers. This includes servicing, inspecting and
maintaining its equipment.
A bus company cannot escape liability by claiming that
another company improperly maintained the bus or improperly
manufactured the bus.
v. Common carrier’s duty to protect passengers from
assault.
A bus company may be liable for failing to use the utmost
care and diligence to prevent one passenger from injuring
another.
However, even under the “utmost care” standard, a bus
company is not liable for failing to prevent an attack that it
did not know, or should not have known, was about to occur.
Further, in the case of public entities, there may be
additional immunities from liability from assaults of third
persons on passengers.
vi. When the duty of utmost care begins.
a. Intent to board manifested of acceptance of
a passenger begins the utmost duty of care.
A person may become “a passenger” and the bus company’s
special duty to them may begin even before the person boards
the bus when:
► the person puts himself or herself under the bus
company’s control or otherwise manifests an
intent to board; and
► the bus company or bus driver manifests
acceptance of the person as a passenger.
b. Examples of situations in which common
carrier liability has been found.
A bus company can be found liable to a boarding passenger
if it:
► it fails to maintain safe steps or entrances.
► closes the door on a passenger.
► starts the bus before the passengers are safely
seated.
► starts before a passenger is safely aboard.
► attempts to load a passenger in an unsafe place.
Further, a public entity can be responsible for a
passenger exiting a bus under the same circumstances listed
above.
vii. When the duty of common carrier ends.
Discharge of the passenger from a bus does not terminate
the utmost duty of care until:
► the passenger has safely alighted at a
relatively safe place out of the way of other
traffic.
► is no longer exposed to risks of the bus’s
operation.
viii. Common carrier liability can extend to
maintenance of bus stations.
Under certain circumstances, a bus company is even
responsible to utilize the utmost care in maintaining bus
stations. The bus company has a duty to stop its bus at a
place reasonably safe for passengers to board and alight and
must use the utmost care in maintaining stations and
conducting operations in them to avoid injury to boarding or
alighting passengers.
ix. Duty to assist passengers limited.
Other than people with disabilities, a bus company has no
duty to assist passengers in boarding or exiting from the bus.
However, the company has a duty to give each passenger “a
reasonable degree of attention” and once a bus operator does
undertake to assist a passenger in boarding or exiting, he or
she must use due care in doing so.
Further, a bus company must give special assistance to a
passenger who needs it because of age, illness or other
condition, if this need is known or apparent.
E. Effect on a Plaintiff’s Negligence in Bus Accident
Cases.
A plaintiff, even a passenger on a bus, has a duty to
exercise reasonable care to protect himself or herself from
injury. Thus, a bus company can be found liable for a
plaintiff’s injury, yet the plaintiff’s damages will be
reduced on the basis of their own “comparative negligence.”
In other words, if a plaintiff is awarded $1,000,000 in
damages against a bus company, but the jury finds that the
plaintiff somehow negligently contributed to that injury, and
a jury finds the plaintiff to be 20% at fault, the plaintiff’s
verdict will be reduced 20% from $1,000,000 to $800,000.
However, a plaintiff is entitled to argue that his or her
duty of care to protect himself or herself is not as not as
high as the bus company’s to protect the plaintiff from harm
if the plaintiff is a passenger on the bus or a pedestrian.
F. A Bus Company’s Liability to Non-passengers in
Vehicular Accident Cases.
i. Duty of bus companies generally to non-passengers.
Both public and privately-owned bus companies, owe a duty
to pedestrians and other vehicle drivers and passengers, to
maintain and operate their buses in a reasonably safe and
prudent manner.
ii. Bus operators have same duties to drive safely
and maintain the bus as other drivers.
A bus operator has the same responsibility as any other
vehicle operator to drive safely and avoid accidents with
others. Further, the bus operator and bus company owes the
same duty of care as any other vehicle owner or driver to
maintain the vehicle in a safe operating condition.
iii. If bus operator is within course and scope
of duties when negligent conduct causes an
accident, the bus company will be found
liable.
If the bus operator is found to be in the course and scope
of his or her duties, the bus company will be found
responsible for any injuries caused by the bus operator’s
negligence.
iv. Reasonable duty of care standard.
Although the bus company does not owe a non-passenger the
same “utmost duty of care” it owes its passengers, it still
owes non-passengers a duty of “reasonable” care.
G. Bus operators owe special duties to use care if
pedestrians, especially children, are known to be in
the area.
When a case involves an accident between a bus and any
other vehicle or pedestrian, the same rules that apply to
motor vehicle cases generally apply to cases against bus
companies. For example, pedestrians are considered to have
special protections and a bus operator must use extra
diligence when the operator knows pedestrians, particularly
children, are in the area.
H. Investigation in Bus Accident Cases.
An early and thorough investigation is critical in any
motor vehicle case involving a serious injury or what may
become a serious injury. A good plaintiff attorney should
hire an investigator to go immediately to the scene of an
accident. Even if the police report is not prepared, it is
generally advisable to send a private investigator to the
scene to document the state of the accident scene as close in
time to possible to the date of the accident. Although this
is sometimes difficult without a police report, particularly
if the accident victim does not remember how or where the
accident happened, but usually there is some clue. Skid marks
can fade quickly; debris from the vehicles may be blown away
or cleaned up and, in a case where partial fault of the
accident may be due to a dangerous condition of public or
private property, the condition may quickly be changed by the
owner of that property.
Once the police report is obtained, it is then important
for the private investigator to go to the scene, sometimes
with an expert witness such as an accident reconstruction
expert, to check on the accuracy of the police report and fill
in some of the critical areas which might not be covered by a
police report.
Most police officers hate preparing thorough reports
because they feel like they are only doing the bidding of
insurance companies and plaintiff’s lawyers and, in their
reasonable desire to clear an accident quickly so that traffic
can resume, they tend to make estimates rather than take
actual measurements and, due to their haste, will fail to
identify and interview all of the witnesses and make mistakes
on the report.
A mistaken measurement of just several inches may make the
difference between a plaintiff winning or losing a case when
accident reconstruction experts are later hired to help
determine fault.
Obviously, a missing eyewitness may provide critical
testimony which will turn a case one way or another. Thus,
every effort should be made to locate all possible witnesses.
In addition, one should never rely on a statement given by a
witness to the police. A police officer will usually spend
five minutes interviewing a witness while scratching down
notes while a private investigator hired by a plaintiff’s
attorney may want to spend several hours with the witness,
clearly going over the testimony. Statements should be
obtained from favorable witnesses.
One thing is certain: as soon as the accident is reported
by the other driver, the insurance company investigator will
be at the scene within hours, if not minutes.
I. The Use of Experts in Determining Fault.
i. A variety of experts may be retained in a bus
accident case.
In many situations, the parties to a lawsuit hire experts
to attempt to persuade an arbitrator, judge or jury on the
issue of fault. There are many different types of experts who
can testify in a motor vehicle case including accident
reconstruction experts, mechanical engineers, human factors
experts, biomedical accident reconstruction, and biomedical
engineers and photogrammery experts.
ii. What will experts rely on to reach opinions?
The accident reconstruction experts witnesses will, to
some extent, rely upon the testimony of the witnesses and
participants to reach their conclusions regarding the
causative factors in an accident; however, they mostly rely
upon the physical evidence available for review. For
instance, the speed of a vehicle can frequently be determined
by the length and nature of skid marks and the nature and
extent of motor vehicle damage at impact. The point of impact
itself is frequently in dispute and can sometimes be
determined by the location of debris, i.e., shattered glass
and metal, that is left when the vehicles come to rest.
iii. Use of human factors experts.
Human factors is an area of expertise that most lay
people do not know about, yet it can be important in
determining fault in a bus accident case. Human factors
experts are generally people who have a combination
engineering and psychology background. They can testify to
subject matter such as how drugs or drinking can effect a
driver’s perception and reaction time and how a vehicle driver
can be expected to act once he or she perceives a danger.
iv. Use of biomedical and biomechanical engineers.
Although their testimony is usually more significant in
proving causation rather than fault, biomedical and
biomechanical engineers may be called upon to investigate an
accident to determine the forces involved in the accident and
how these forces can cause an injury.
v. Photogrammery experts.
In some cases, if the damages warrant it, the parties
might hire photogrammery experts who will attempt to create a
series of photographs, a film, video or computer animation or
simulation which are produced to attempt to simulate the
accident and demonstrate to the jurors factors which the
parties believe will help them win their case. For instance,
when one side is attempting to prove that he or she did not
have time to avoid an accident, that side might attempt to
produce a film which would demonstrate that the other vehicle
flashed in front of the driver and the driver would have had
no time to perceive the danger and take appropriate evasive
action. These reproductions can be very costly but very
useful.
vi. Experts cannot give their opinions as to fault.
Like police officers, expert witnesses cannot give their
opinions as to fault. They can only testify to the causative
factors of the accident. Only the trier of fact can decide
the ultimate facts.
J. Compensatory Damages in Bus Accident Cases.
In a bus accident case, plaintiff can recover for past
medical expenses, future predicted medical expenses, past wage
loss, future predicted wage loss and for past and future pain
and suffering.
The medical expenses are determined by the testimony of
physicians or other health care providers. Frequently, an
economist or an expert in the industry determines the amount
of future wage loss; however, no expert can testify to the
value of pain and suffering.
Pain and suffering is typically the most significant
element of a plaintiff’s damage and it includes emotional
distress. Contrary to popular belief, there is no formula for
pain and suffering awards and it varies greatly from case to
case depending upon the location of the case, the seriousness
of the injury and how well the case is presented.
K. Punitive Damages.
Under California law, if a plaintiff can prove that the
conduct of the wrongdoer was fraudulent, malicious or
despicable, he or she is entitled to recover punitive damages
which are intended to punish the wrongdoer and provide an
example for the rest of society. The focus of this type of
case is generally on the wrongdoing of the defendant as
opposed to the injury to the plaintiff. The amount of
punitive damage will vary depending upon the heinousness of
the defendant’s misconduct and its economic status. The law
recognizes that large companies have to pay more money in
punitive damages to be adequately punished than small
companies or individuals. In motor vehicle cases, punitive
damages are most frequently awarded against drunk drivers.
Punitive damages are not available against governmental
entities.
L. Claim for Loss of Consortium.
A plaintiff’s spouse can also sue and recover damages for
‘loss of consortium.” A spouse is allowed to recover damages
for the loss of society, comfort and care that result from the
injured spouse’s unavailability due to the injury. In order
to recover these damages, a spouse must be named as a party to
the lawsuit and must have been married to the plaintiff at the
time of the injury.
There are advantages and disadvantages to filing a loss of
consortium claim that should be discussed with an attorney
before filing.
M. How Soon Must a Personal Injury Case Be Brought After
an Accident?
Although there are a few exceptions, generally speaking in
California a case for personal injury must be brought within
one year of the date of the accident/incident. In rare cases,
that time period is extended to one year from the date of the
discovery of a wrongdoing and/or an injury. However, be
careful. If the case is against a public entity, the claim
must be brought within six months of the date of the accident.
Except in medical malpractice cases and cases against public
entities, minors have until their 19th birthday to bring a
case.
N. Settlement.
i. Many different factors are taken into
consideration when evaluating settlements.
There are many, many factors which are utilized when
evaluating a case for settlement. The perception that many of
the public have that a case settles for three times the
medical bills and wage loss cannot be further from accurate.
There are cases that settle for millions of dollars in which
there are no medical bills or wage loss and there are cases
that settle for a few thousand dollars in which there are
hundreds of thousands of dollars of medical bills and wage
loss. Following are some of the factors that are relevant to
evaluating the case for settlement purposes:
ii. Liability.
The clarity of liability (i.e., fault) in the case is a
critical settlement factor.
In a case in which liability is unclear or the plaintiff
has a substantial chance of losing, the settlement value of
the case has to be reduced significantly to factor in the
plaintiff’s chances of losing.
Theoretically, if the value of an injury claim is
$100,000, but plaintiff only has a 50/50 chance of winning, a
$50,000 settlement may be appropriate. However, plaintiffs
must always realize that cases against large defendants or in
cases in which the defendant is insured, that the plaintiff
has a lot more to lose than the defendant. In the example
above, if the insurance company turns down a $50,000 demand
and the plaintiff wins $100,000, payment of an additional
$50,000 will mean very, very little to a large insurance
company or corporation. On the other hand, if the plaintiff
turns down the insurance company’s $50,000 offer and wins
nothing at trial, it could create a devastating financial blow
in which the plaintiff is unable to pay for his or her bills.
iii. Comparative fault of the plaintiff.
If a plaintiff is found to be partially at fault for
causing his or her own injury, then the potential jury award
is reduced on the basis of plaintiff’s percentage of fault.
In other words, if a case were to go to trial, and plaintiff
were to receive a $100,000 verdict, but was found to be 25% at
fault, the plaintiff’s verdict would be reduced to $75,000.
Thus, when settling a case, plaintiff should reduce his or her
expectations of a settlement by the likely finding of
percentage of fault that would occur if a case were to be
tried.
iv. Likely jury verdict value of the case.
In cases in which insurance policy limits are not an
issue, most good attorneys attempt to settle the case based
upon what a jury would be likely to award if the case went to
trial.
Determining what a jury will award in a given case is more
of an art than science; however, reasonable estimates can be
made based upon what jurors have awarded in similar cases in
similar venues (i.e., locations). Most verdicts are reported
in “jury sheets” that lawyers read and utilize when attempting
to assess the value of any particular case.
v. Aggravated liability.
In cases in which a jury is likely to get angry at a
defendant for misconduct that was something more than
negligent, it is known that jurors are likely to “spike” their
verdict and award more money for a plaintiff’s injury than
they would if a defendant’s misconduct was merely negligent.
Aggravated liability situations, such as a defendant who
was found to be driving drunk or a defendant who intentionally
hurts a plaintiff will increase the risk to the defendant of a
large jury award and this should be taken into consideration
in settlement.
vi. Punitive damage exposure.
If the defendant’s misconduct is so bad that there is a
risk for punitive damages, i.e., the jury awarding damages
specifically to punish the defendant, this should become a
major factor in settlement negotiations. A potential award of
punitive damages is complicated by the fact that under the
law, the insurance company is not allowed to pay an award for
punitive damages; however, normally, the defendant, through a
personal attorney, attempts to apply pressure on the insurance
carrier to pay more in settlement so that the defendant will
not be exposed to the punitive damage risk.
vii. The character and credibility of the
parties.
A plaintiff’s case is worth more if he or she is likeable
and believable. It is known that jurors will award more money
to people that they like and believe than people whom they
dislike and don’t believe.
To a lesser extent, this is also true for defendants. A
likeable or believable defendant is likely to fare better in a
lawsuit than someone with the opposite traits.
viii. The extent of the injury.
Theoretically, the more serious an injury, the greater
should be the value of the plaintiff’s case.
ix. Objective evidence of injury.
Injuries that can be visualized or that are able to be
demonstrated by radiographic evidence such as x-rays, MRIs,
CAT scans or other scientific tests, will normally result in
higher settlements than injuries which depend upon the
believability of the plaintiff to prove.
There are many injuries which may have severe consequences
for the plaintiff which are not diagnosable by objective
tests. This can include severe back problems, headaches and
pain anywhere in the body. Experience has shown that jurors
are hesitant to award large damages in cases in which there is
no objective evidence of injury; thus, the settlement value of
any case is increased by objective evidence of injury and
decreased by the lack of it.
However, a credible plaintiff can sometimes overcome the
lack of objective evidence of an injury and this must also be
taken into consideration in the right case.
x. Past and future medical bills of the plaintiff.
As long as a plaintiff can establish that past medical
expenses and likely future medical expenses are reasonable and
related to their injuries, the bills will be an important
consideration in settlement.
However, the defense will generally claim some amount of
overtreatment and, thus, some portion of the medical bills
should be excluded from settlement consideration. Further,
the defense will argue that plaintiff will be unlikely to need
or have the claimed future treatment and/or the future
treatment would not be related to the subject incident.
xi. Past wage loss and future wage loss.
Wage loss is another important consideration in evaluating
a claim as long as plaintiff can establish that he or she was
were reasonably off work or will be reasonably off work due to
the subject incident. The defense will likely take the
position that the amount of the wage loss should be discounted
because plaintiff should have been back to work sooner and, in
the case of future wage loss, the defense will claim that
plaintiff could be doing some type of work which would pay
them as much or almost as much as the work they were doing
before the incident.
Also, for plaintiffs who are self-employed or do not have
a strong consistent earning history before the
accident/incident, it can become very difficult to establish a
wage loss claim.
xii. Is the injury permanent.
In cases in which plaintiff has a permanent injury and
some objective evidence of that injury, there will likely be a
higher settlement value because the case will have more jury
appeal.
xiii. Venue (where the claim will be tried).
It is beyond question that cases tried in certain
locations, particularly urban locations, result in much higher
verdicts than cases tried in more rural counties. This is a
factor that must be taken into consideration in settlement.
xiv. Policy limits and defendant’s assets.
No matter how severe the injury, the plaintiff’s ability
to recover damages against defendant will be limited by either
the defendant’s policy limits or the personal assets of the
defendant.
However, in cases involving motor vehicles, the plaintiff
may have his or her own uninsured or underinsured motorist
insurance which would provide additional coverage for the
plaintiff’s injury and allow the plaintiff to receive further
compensation in a settlement with their own insurance carrier.
xv. Target defendants.
Even though jurors are not supposed to consider the wealth
of a defendant or whether or not the defendant is a
corporation in their verdict, they are far more likely to make
larger awards against large companies than they are people who
they perceive to be middle class or poor. So this becomes
another important settlement consideration.
xvi. Reputation and ability of attorneys.
The claims representative or defense attorney will report
to the insurance carrier or defendant the ability of the
plaintiff’s attorney and the likelihood that the attorney will
try a case and try it well.
In situations in which the defense believes that the
plaintiff’s attorney will not be willing to take the case to
trial, there is little incentive to offer a significant amount
of money in settlement.
On the other hand, if the defense believes that a
plaintiff’s attorney will not only go to trial, but will
receive an optimum verdict, the defense’s risk is increased
and thus the settlement value of the case is increased.
By the same token, plaintiffs must also take into
consideration the reputation and ability of the defense
attorney. If the case is against a good defense attorney,
plaintiff will likely receive less money from the jury; thus,
the settlement value of the case, to some extent, is
decreased.
xvii. Expense of litigation.
The expense of litigation should also be considered in
settlement. There are some cases which, if worked up
properly, could result in the expenses actually being higher
or almost the entire amount of an eventual settlement or
verdict.
Some insurance companies and corporations are cost
conscious and will take into consideration the expense of
proceeding in the case versus early settlement.
However, just because a case may cost the defense $200,000
to litigate does not mean that in a case they otherwise
evaluate as being worth $25,000, they are going to offer the
plaintiff $200,000 in settlement.
Rather, in the above example, it may cause the corporation
or insurance company to raise their offer five or ten thousand
dollars or to try to settle the case early for $25,000 before
expenses are actually incurred. Corporations and insurance
companies are loathe to make offers of settlements based on
the cost of defense because of a concern that they will be
seen as an easy target for plaintiffs.
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