Johnson’s decedent had argued that the insurer delayed payment of bodily injury coverage unnecessarily, when it had already tendered uninsured motorist payments and knew that Johnson was in the hospital on a respirator.
The court held, however, that, even construing the facts in favor of Johnson, the insurer’s actions could not, as a matter of law, constitute bad faith. The court noted that liability was initially contested, and the insurer’s adjuster “moved quickly” to determine liability. Johnson’s attorney made a 30-day demand for settlement, and the insurer responded within “far fewer” days from that demand.