Editor’s note: This column was written in response to “Good-Faith Considerations for Bad-Faith Insurance (Holt) Litigation in Georgia,” a Sept. 7 guest column written by four Alston & Bird attorneys. To read that column, visit https://bit.ly/48dl9hA.

Like perennial flowers, opinion pieces feigning insurance-industry despair continue to sprout. The latest found in this paper was sown on Sept. 7. But there are other opinions, and even real facts to consider when it comes to the insurance industry’s long-standing practices of lowball monetary offers coupled with one-sided terms in their onerous release agreements.