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Re: That's more like it.
Yeah, small businesses have a lot more to lose. If you're dealing with a billion dollar company, keep in mind that a million dollars isn't even a decimal point at the end of the year, and that smaller amounts are even less significant. Time is almost as valuable a commodity to them, and if you demonstrate you're willing to take it up, they'll try to make you go away so that they can better spend their time on more profitable things.
As far as contacting their attorneys, you're probably better off waiting to see how things play out with insurance. If they don't play ball, send a polite, well thought out letter to PetCo's attorneys explaining that you're not satisfied with the manner in which negotiations are proceeding, and requesting to verify that they are who you send the subpoenas to if further action is required. Expect the insurance company to get very cooperative after that..
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