Have you experienced this? My son was in a car accident with a passenger (both 20 years old). At the deposition, Farmers Insurance offered the passenger twice the amount of my son. Her reasoning was that my son has a record and if he was to take this to trial, the jury would not be in his favor and he would lose and have to pay all the costs. Coercion and threats to me. My son did get into drugs and is now doing very well, it should not alter the fact that their client was at fault.