well, actually, i've had hundreds of caseswith mercury insurance over the last few years. mercury insurance is an up and coming insurancecompany in california. they insure approximately 25% of the drivers in california right now. the bad thing about mercury insurance is they'reone of the worst insurance companies when it comes to evaluating and paying claims.what they do is they use an approach where, no matter what the injuries are, they willoffer $4,000 to $6,000. and once they make that offer, they will maybe move up $500 orso. it doesn't take individual pain and sufferinginto account. it doesn't take into account the type of impact you have. for example,we could have a 70-year-old person, who has
damage of only $1,500 to their car. but a70-year-old person could be hurt a lot worse than a 20-year-old person who has $10,000damage to their car. they don't take that into consideration. theybase a lot of what they evaluate on the damage to the vehicles, not the individual. and thething about mercury is they're consistent. even if you do not accept mercury's low-ballsettlement offer, and you file a lawsuit and go to litigation, it doesn't make much differenceto them, and the case usually does not get settled before it goes to trial. i had a caseabout three or four years ago, where we had minor damage to a car, about $1,000 on theclient's car. but the client had a predisposition, had a preexisting problem with his lower back.
he had a smaller disc protrusion. and whenthe accident happened, this disc protrusion actually herniated, and it came into contactwith his nerve in his lower back, one of his nerve roots. and he had to undergo surgery. the insurance company, no matter what, feltthat, well, the damage was so small that we're going to offer $8,000 and that's it. we wentto a settlement conference. we went through depositions. we went all the way to trial,and they never came off that $8,000 offer. we ended up getting nearly $100,000 off thecase. but this is the kind of attack that mercurytakes. they'll make an offer. they'll stay with it all the way to the end. so at leastthey're consistent, but consistently bad.
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