Accident lawyers need to avoid the temptation to talk to insurance adjusters in “___ times specials” terms. This telegraphs with a bullhorn to the insurance adjuster that you are looking at your client as simply a number, not a person. Accident lawyers that talk in “times specials” math are not the same lawyers that read and evaluate the medical records.
Often, a multiplier of the damages is a fair settlement value only by mere coincidence. Further, you are sending a loud message to the adjuster that will forever mark you down as being the attorney who is not working up his/her cases individually. This can also make you appear lazy and uninformed, which is obviously never a good thing in any negotiation context.