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This just doesn't seem to make sense at this point. By now the insurance company or companies should have come up with a value and tried to settle on a number for the totalled 2012. That is just how this has to work, one insurance company would take the lead and come up with a value and then go after the perpetrator. As far as after a settlement number is reached then it goes from that point.Also, a counter offer is mentioned by OP in his post what was it just curious??
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