MEMORANDUM OPINION
SUE L. ROBINSON, District Judge.
I. INTRODUCTION
Plaintiffs Louis McDuffy, Jr. ("Mr.McDuffy") and Brenda McDuffy ("Mrs.McDuffy") (collectively "plaintiffs") filed this action against defendants Lumbermen's Mutual Auto Insurance Co. ("Lumbermens"); Noreen Koval ("Koval"), claims adjuster for Lumbermens; Louis Marsico ("Marsico"); Donna Lee Williams, Commissioner of Insurance at all relevant times; and Baldo Sebastianelli ("Sebastianelli...
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