Attorneys have long understood that a plaintiff’s gender may affect his or her standing before jurors. But insurers are also guilty of not treating men and women equally, and it shows in their claim-resolution results. The accompanying chart, based on median settlement values in motor-vehicle cases reported to VerdictSearch, shows that nearly all of the leading insurers are more generous when it comes to paying male claimants. Farmers, whose numbers are dead even, is the only insurer standing up for gender equality, while Geico’s bias of 21 percent is the largest of the group. Note that Liberty Mutual, which also favors male claimants, was omitted because its median payouts are far greater than the chart’s scale would allow. Had it been included, its differential would have been third greatest. Remember this when settling your next case.
HOW TO: Let’s show how it works for one insurer, Allstate. Log onto VerdictSearch.com’s search platform. In the Insurance Carrier field, enter Allstate. In the Award Type field, select Settlement and Mediated Settlement. Next, go to the Type of Case field and select Motor Vehicle. Now you’ve got all the motor-vehicle cases settled by Allstate. Tweak it by going to the Type of Plaintiff field and selecting a gender, either female or male. Now click the Search button to run this search and view the cases. Once on the results page, go to the Sort By field and select Amount. Now the results are sorted by the amount of the settlement, from the largest to the lowest. The median settlement is the one right smack in the middle of the results, with an equal number above and below.
DEEPER DRILL: Make the results specific to your region by selecting one or more states or counties. Use the results to your advantage, and your next settlement could turn up at the top of our list!