an unusual demand letter. Again, the offer of—to pay the claim had already been extended on multiple occasions, so basically the letter of April the 18th was confirmation of the discussion I had with Mr. McAleer a few weeks earlier. Q. My question was, is it your custom to respond to time-limited demands at 7:30 p.m. on what you are contending is the last day of that demand? Yes or no. A. No, sir. {Id. at 250.) These facts, coupled with the other evidence presented at trial , are sufficient to permit a reasonable jury to find that Nationwide acted in bad faith in responding to Plaintiffs’ time-limited demand to settle within the policy limits and unnecessarily subjected its insured to the possibility of an excess verdict. Brightman,, 580 S.E.2d at 521 (Ga.2003); Holt, 416 S.E.2d at 276 (<HOLDING>). Nationwide did not dispute, and the evidence
holding that if an insurance company is as a matter of state law liable to a plaintiff in the personal injury action subsequent discharge of the assured in bankruptcy does not alter the obligation of the insurance company and further finding that it is the policy of the law to discharge the bankrupt but not to release from liabilities those who are liable with him holding that an insurance company does not act in bad faith solely because it fails to accept a settlement offer within the deadline set by the injured persons attorney but that a jury question on the reasonableness of the insurers actions arose when an insurance company failed to respond to a deadline to settle a claim within policy limits when the company had knowledge of clear liability and special damages exceeding the policy limits holding that under georgia law a holder of a master insurance policy is an agent of the insurance company and not the insurer holding that even if an insurance broker is the agent of the insurance company for purposes of soliciting and procuring the policy that would not necessarily make the broker the agent of the insurance company for the purpose of receiving notice of suits and claims holding the insurance company discharged its fiduciary duty when it established the retained asset account in accordance with the insurance policy