Allstate refused to settle a demand for insurance policy limits of $50,000 made against its insured, Wayne Edward and Virginia Johnson. The Johnsons had made the demand after Davis drove across the center line and crashed head on into the Johnsons' car. The Johnsons suffered life-threatening injuries that required extensive hospital treatment. After Allstate failed to settle, the Johnsons sued Davis.Allstate had disputed that Johnson's injuries were caused by the crash. The Johnsons and Davis then jointly sued Allstate for bad faith refusal to settle a claim.

In my experience, Allstate will keep appealing and, at best, years later, the Johnsons, or their heirs, will receive pennies on the judgment, if they are lucky.

Has any student experienced an unreasonable insurer whose agenda was clearly just to wear down its insured and settle for pennies on the dollar?