Quoted: In many cases, private businesses and their insurers choose to settle civil suits even if they believe they can win, said Peter Carstensen, professor emeritus of law at the University of Wisconsin-Madison.”Often, it?s an economic calculus. How much will I risk if I stand and fight?” he said. “An insurance company is dependent on its revenue, (whereas) it?s very hard for the taxpayers to see the details of what the litigation costs are for the city.”