Parties to a lawsuit often have two goals in litigation: pride and profit. Pride is served by vindication that groundless claims of negligence are proven false. Profit is served by minimizing the payment of money to the plaintiff and to one’s own lawyer. When an insurer concedes coverage, the policyholder can afford to indulge pride, since it has no money at stake. But when the insurer denies coverage, the policyholder must weigh how much personal profit may be lost by indulging pride.