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Traditionally secretive, insurance companies have always preferred to resolve ambiguities of contract interpretation through compromise and settlementthere is an old saying in the industry that the best file is a closed file and for this reason carriers have been notably reluctant to involve the judiciary in such matters, fearing not only that juries and judges might be sympathetic to those on the other side, whether claimants or insured parties, but also that court-ordered discovery procedures might result in the disclosure of insurance practices that could engender legislative scrutiny and produce unwanted regulation

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