Howard Insurance is navigating a lawsuit filed by Samuel, an employee of CXC Construction, who suffered a back injury from a fall at Eastview Apartments, owned by Matt Dermont. Samuel seeks $$1,500,000$ in damages but has proposed a $$750,000$ settlement. Howard Insurance is considering a counteroffer of $$400,000,$ anticipating various outcomes, including acceptance, rejection leading to a trial, or a counter$-$counteroffer from Samuel. To address the Howard Insurance problem regarding Samuel$$s lawsuit, a decision analysis including Bayesian updates and von Neumann Morgenstern utility theory is performed.