BROWN, J.
This is a negligence action brought by Brandon C. Cue against Carthage College, its football coach, the assistant football coach, the team trainer and the college's insurer, Preferred Risk Mutual Insurance Company. Preferred Risk had policy limits of $1,000,000. The policy covered all of the defendants in this action.
Here, Cue simultaneously sent separate $100,000 offers to settle; one to an insurance company and one to
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