Reduced attorney's fees Choose Explanation of scope of insurance policy protection [Choose Exemplary damages Liability insurance policy Insurance defense counsel Reductions to insurance policy protection Cumis counsel Third part bad faith Damages awarded above compensatory damages to deter tortious conduct Insurance company's rejection of settlement demand for policy limits Punitive damages Damages awarded to deter tortious conduct Exclusions Duty to defend Attorney hired by insured Policy limits Reservation of rights letter Tender letter Attorney hired by insurance company Notifications of insured's claim Panel rates Duty to indemnify Insuring clause First party bad faith Insurance comnany's "wait and