OPINION
RUCKER, Judge
When Victoria Fire & Casualty Insurance Company ("Victoria Insurance") refused a claim for uninsured motorist coverage submitted by Sandy and James Thomas ("the Thomases"), the Thomases sued Victoria Insurance, along with Sandra Simmons—owner of the Victoria Insurance automobile policy, and Tracy Koontz—the uninsured motorist. The Thomases' complaint against Victoria Insurance was based upon a bad faith denial of coverage...
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