Law360, New York ( January 28, 2013, 1:09 PM EST) -- Despite committing tremendous resources to the defense of coverage, claims and bad faith litigation, many insurers tend to follow a relatively predictable defense model that has not changed substantially over the years. The process is largely reactive, inefficient and costly: Plaintiffs take the litigation initiative, and insurers respond with a strategy designed to counter a specific action. In this environment, defense strategy tends to become little more than the selection of ever-narrowing choices dictated by the actions of plaintiffs' counsel....
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