O'Neill v. Gallant Insurance

In this case, an insurance company took its small stake in the outcome of a personal-injury claim, $20,000 worth of liability coverage purchased by one of its customers, and transformed it into a multimillion-dollar judgment against the carrier. For reasons that are not entirely clear, John Moss, executive vice president of Warrior Insurance Group, 1 the person primarily responsible for this action, bypassed a chance to settle an insured’s obvious liability for catastrophic personal injuries, and to do so within the insurance policy limits. His decision turned $20,000 worth of contractual…