HAMMEL V. STATE FARM: 3 ZUNIGA DECLARATIONS: "THE COMPANY 'LOW DAMAGER' POLICY
18. By company policy 'minor impact'/'low damager' claims were
not to be settled. Instead they were to be 'fully litigated' and
every effort was to be made to make it financially unfeasible for
the insured to obtain any benefits regardless of whether
liability was clear or not. The company policy was to 'fully
litigate' such claims by:"
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