The insurance company in their last correspondence said "our offer remains................. Please send a copy of the complaint."
Complaint? They have gathered logically that we may be ready to file suit. Does the way they stated that mean that their offer is their highest pending another set of eyes on their end taking a look?
Also if they are bluffing and we call their bluff by asking for x dollars as well as the complaint then what happens if they bluff back by saying their offer is no longer on the table and they'll see us in the court room. Is that another bluff by them or something that does happen regularly. We'd thought that the two sides could come together once suit is filed, litigation adjuster takes a look, defense attorney takes a look, then mediation. Their offer and our demand are 5000 apart at most. We heard that these companies do not care what they spend on legal fees. If true then trying to come together somewhere in the middle of this 5000 difference may not be something they even desire to do if they do not care if they spend more on defense than to just wrap it up now by giving the 5000 difference or offering 4000 or 3000 more to get it done out of court. Thanks for comments and replies to all parts of the above.