Unfair claims Most state unfair claims settlement practices acts require insurers to settle claims in "good faith."

Whether one is religious or not, the ancient verse, "The last shall be first and the first shall be last," may sound familiar. The statement comes at the end of a parable or story about a vineyard owner who hired men at an agreed pay rate to work all day. At noon he hired more, and about an hour before quitting time he hired even more workers. Then he had the supervisor pay all of them the full day's wage.

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