Excess insurer sues over $4.25 million verdict after primary rejects $170k demand


According to the court filing, the underlying plaintiffs demanded $900,000 to settle before trial. During trial, they reduced their demands to $600,000, then $200,000, and finally $170,000. State National and Next allegedly rejected the mid-trial demands and never moved beyond a $130,000 Offer of Judgment. The defense had already stipulated to liability and proceeded to trial on damages alone. On April 11, 2025, the jury awarded $4.25 million. The court later entered a total judgment of $4,758,364.21, including prejudgment interest and attorney’s fees.



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