FRANK, Chief Judge.
This matter arises from an automobile accident and an underlying claim which Auto-Owners Insurance Company was obligated to defend. Auto-Owners raises several points in its appeal from a partial summary judgment and a multi-million dollar final judgment entered in favor of Neva Brubaker and Julie L. Farber. Brubaker and Farber claim that Auto-Owners breached its duty to defend them and refused in bad faith to settle a
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