1. An insurer reserves its rights to protect its rights against the policyholder and the plaintiff, creating conflicts of interest that permit the policyholder and the plaintiff to cooperate to protect shared interests against the insurer.
4. A reserving insurer may have to pay independent counsel as often as every 30 days.
5. Independent counsel may earn 10% on delinquent invoices.
6. An insurer that wrongfully fails to defend loses control of settlement. The abandoned policyholder may cooperate with and assign rights to the plaintiff with favorable conclusive evidentiary presumptions and save years of litigation time.
9. An insurer that says Yes may change its mind at any time to say Maybe or No.
10. An insurer must immediately conduct a thorough investigation before saying No or Maybe.
 See, Article: Difference Between Dependent Counsel and Independent Counsel.
 See, Article: How Often Must an Insurer Pay Independent Counsel?
 See, Article: Assignment of Policyholder’s Claims to a Plaintiff.
 See, Article: Favorable Evidentiary Presumptions from Settlement.