You would quickly realize how idiotic it is to touch molten rock. First you would need to get to the lava, which would completely be dependent on the wind. If it's blowing to your front, you won't get very close, if it's blowing to your back, then fair will have it that you'll be successful in touching lava.
A full hammer clause informs the insured that if the insured goes against the carrierâs settlement recommendation, that they will be liable for all defense costs and settlement over the dollar amount the claim could have settled the claim.
The insurer may wish to be me more competitive on its pricing to increase its sales and limit its liability on large liability losses. In this case, the insurer may wish to insert a hammer clause into its policy forms. Hammer clauses act to compel an insured to comply with an insurerâs decision to settle a case rather than fight it out in court. There are two types of hammer causes. There is the full hammer and modified hammer clauses. The insured may not always want to follow the ...