Thus, as insurance companies have long suspected, juries make larger awards to victims if an insurance company will have to pay. The second finding of the study is the fascinating one, though. If the driver said he was insured and the judge ruled that evidence inadmissible (directing the jury to disregard it), the instruction to disregard had a boomerang effect, causing an average award of forty-six thousand dollars. So when certain juries learned that the driver was insured, they increased the damage payment by four thousand dollars. But when other juries were told officially that they must
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