Most cities have their insuranceas as self insurance and maintain a risk 
management dept that handles incestigations and the legal dept will defend 
city and employees. for settlements and awards beyond a threshold special 
insurance commonly comes from a supplemental insurance.
There are many serttlements made in Nashville and these are announced during 
cabletv local access.  There are quite a few winners but many still go to 
court.
--- Maximus 3.01
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