SULLIVAN, Judge.
Dianna Theriot appeals a judgment rejecting her claims for damages and penalties under La.R.S. 22:1220(A) and (C) against Midland Risk Insurance Company (Midland) and Shelter Insurance Company (Shelter). For the following reasons, we reverse.
FACTS
This litigation arises out of a collision on July 20, 1993 between three eastbound vehicles on the I-210 bridge in Lake Charles. The accident occurred in heavy rain. Mrs. Theriot's daughter...
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