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I'm surprised the insurance will pay for this. The judgment, and actions by Oberlin's administration, strongly suggest they were acting in bad faith. The college's behavior exceed negligence, the typical threshold in these sort of insurance contracts.

Pretty incredible Oberlin can get out of this considering what other insurers will do to avoid paying for incidents with cause.

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> I'm surprised the insurance will pay for this.

Yeah I'm a bit surprised by that, too. The negotiations with their insurer must have been really something. Only thing I can imagine is that they cut some sort of deal that makes it worth the insurance company not trying to fight with them over it. Maybe they have to basically pay it back over time with interest..?

My guess is Oberlin pays them a whole lot of money every year. And will pay increased premiums moving forward. For the insurance company it may be a no brainer to keep their business. It will pay for itself in 5-10 years.

Yeah, I was wondering about that. I would expect that, at a minimum, the insurer would raise Oberlin’s rates and/or required them to make changes in policy.

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