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What if the insurance company will not make a reasonable offer to settle?

There is no fixed formula for deciding what a claim is worth. What is “reasonable” depends on who is evaluating the claim. Insurance companies have a lot more experience evaluating and anticipating what a claim might be worth than you do. It is extremely important that you select a lawyer that has experience and is knowledgeable of the value of similar claims in you area. Valuations of cases vary from county to county and city to city. Consultation with local counsel is critical.