There's so many variables in play that it's difficult to speak universally on it. Every case is unique, there is relevant case law, different state laws, etc. E

There's so many variables in play that it's difficult to speak universally on it. Every case is unique, there is relevant case law, different state laws, etc. Everything you said is a possibility - I would say off the cuff that it generally hinges on the scale of negligence and harm - consider these the X and Y axes of a graph where the Z axis is whether the clerk laughs at you, whether a judge dismisses it pre-trial, whether it goes to trial, if a settlement can be negotiated. Die or lose a limb? Stakes go up for sure. Sometimes insurance will pay all the legal/settlement costs, sometimes they won't, sometimes a business will have to negotiate to avoid a rate hike (we did x, y, and z to avoid this liability and minimize the settlement) and sometimes the insurance policy does vanish.