Holding that, when extrinsic facts eliminate the potential for coverage, an insurer may decline to defend even if the complaint had suggested potential liability
Holding that attorney's fees can satisfy the element of damages in a first-party bad faith insurance claim because hiring a lawyer to deal with an insurance company's bad faith is akin to hiring a doctor to resolve injuries from a car accident
Recognizing a fiduciary relationship between an attorney retained by an insurer, on the one hand, and both the insurer and insured, on the other hand, where no conflict of interest exists
In Golden Eagle, a couple received a renewal certificate from their insurance company, and retained the benefit of the renewed insurance policy without paying the premium.
Holding that "if the insurer, as in this case, satisfies the prerequisites noted above, it should be deemed to have an implied-in-law right of reimbursement"
Holding that the appropriate remedy for a Cumis fee dispute was not litigation, but to move to compel arbitration, even when breach of contract and bad faith are alleged