roundiconer,
As I am sure you know, insurance companies have actuaries that determine the average, or likelihood of guests leaving the property based on statistics. This allows them to set the standard rates. They can and sometimes do attend the "orientation" meetings to hear what is said and make note of signs on the property and cards left in the rooms. This may influence the final rate.
If the AI needs to use the coverage, as we all know, their rate charged will go up.
I used to work for insurance companies before I began selling them computers and rating software. I got to know the actuaries quite well. But that was in a different life.
For those that don't know , John Issa and Butch Stewart would both be considered "deep pockets". And in the cases you mention, the AIs had to pay their own legal fees. I have never heard of an AI lawyer working for free...
I think we both heard that same ganja story. People will try to sue for anything!
