The Blitz

You've been assigned an accident involving a truck that rolled over. Serious injuries have resulted. The vehicles involved were totaled and you begin your investigation.

After only a few days but before you've even established liability, you receive a call from a self-proclaimed expert at hazardous materials (Haz-Mat) cleanup and they tell you that they've been notified of your fuel spill by authorities. "If you act now," they "can clean it up for you at a cost of $20,000." But if you delay and the state assigns a Haz-Mat vendor, "it may cost you double that."

The pressure is on and they'll remind you that the more time passes, the costlier it will be. You've received no other notice from the state or the policyholder.

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