Robert A. Clifford, senior partner at Clifford Law Offices and monthly columnist for the Chicago Lawyer magazine, wrote his August, 2012 column entitled "When An Offer Is Not An Offer." In the article, Clifford discusses the need to recognize legitimate settlement offers by defense counsel. Clifford points out that insurance carriers have a duty to act in good faith when a claim is covered by an insurance policy. Clifford concludes that the "duty to settle," recognized by Illinois courts, should work to prevent insurance companies from making "bogus offers," which can leave policy holders liable for amounts in excess of their policy limits. This is counter to exactly the reason the insured purchased the liability insurance in the first place. You can read Robert Clifford's entire article on this topic, Click Here.