As a practical matter, the decision of whether to settle claims brought against a policyholder is typically left to the insurer.
The Insurer's Right to Settle: Unfettered Discretion Or Balancing Act
As a practical matter, the decision of whether to settle claims brought against a policyholder is typically left to the insurer. The interests of the insurer and the policyholder are typically aligned, whether it is because of the policyholder's inherent desire to resolve the litigation or the insurer's vastly greater experience in defending and settling claims.
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