EXUM, Chief Justice.
Plaintiff Helen Barnes was injured in a collision with the insured defendants Hardy. Plaintiffs filed suit and defendant insurer, United States Fidelity & Guaranty Company ("USF & G"), offered $49,900 in settlement. The liability limit on the policy was $50,000, and coverage included "all defense costs we incur."
Plaintiffs eventually accepted $50,000 from defendant insurer, but the parties could not agree on whether USF &...
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