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The problem was not a surfeit of investigation but a lack of scrutiny and an excess of policy privacy.
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If a subsequent trial resulted in a verdict in excess of the policy limits, the insurance company might be liable to pay this excess.
Appointments in excess of this policy are subject to cancellation.
State Farm then paid the entire judgment, including the amounts in excess of the policy limits.
State Farm disregarded the overwhelming likelihood of liability and the near-certain probability that, by taking the case to trial, a judgment in excess of the policy limits would be awarded.
The agency has in excess of 60 policies, which devolve from the over-arching 2011 Children First national guidance for the protection of children policy framework.
In many cases, because of an excess of caution, policies that would help people in need are never even seriously considered, much less implemented.
This is not, as some critics of Britain's foreign and defense policies assert, primarily because of the "excesses" of Western policy since 9/11, especially in Iraq.
Arguments for the establishment of IFCs with a remit to ground and limit the excesses of politicised policy actors and help ensure the discipline and sustainability of fiscal policies have proved irresistible.
We need to build new civic institutions to shield us from the excesses of government policy and to defend us from the ravages of the market.
People like me may also owe the shamed, battered Liberal Democrats an apology – during their time in coalition perhaps they did put the brakes on the worst excesses of Tory policy.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com