Dilemmas posed by multiple claimants, multiple insureds & insufficient policy limits : recommended considerations in claims handling

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      <subfield code="a">How does the insurer respond to one or more demand letters, often "time limit" demands, in light of insufficient policy limits? If an insurer exhausts its applicable limits by settling with only one claimant and/or on behalf of only one insured, what factors will a court look at subsequently in determining whether the insurer's conduct was "reasonable"?</subfield>
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