Insurance companies will often settle rather than go to court. We ran into that issue at the snowmobile association. The company would retain attorneys who were not versed in outdoor motorized recreation and trails. They settled some stuff we didn’t feel should be. Our rates kept rising and they kept saying they were going to drop us. We finally started our own captive insurance company to cover our liability requirements. If anyone had told me that I would be president of an insurance company, I would have said they were crazy. But here we are.