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 type of insurance you buy will be based upon your risk aversion, personal circumstances and state requirements. There is nothing inherently right or wrong with âno consentâ, consent with a âhammer clauseâ or consent without a hammer clause. The hammer clause is not the devil. The devil is your lack of understanding about the coverage you are receiving based upon the price you are willing to, or can currently afford to, pay.