A plaintiff should be instantly skeptical and wary when a defendant is too willing to offer “policy limits” or schedule a mediation soon after a complaint is filed. An instant query is what additional insurance coverage does this insured maintain and/or what inflammatory liability facts are unknown that the defendant is hoping remain undiscovered.Too often, an insurer has striven to conceal additional coverage or excess policies that would provide, for example, a permanently disabled plaintiff the compensation for a …