Anderson subsequently sued Farmers, alleging the insurer and its agents failed to protect Gibson’s interests, acted in bad faith, and prioritized their own financial concerns over Gibson’s. She claimed Farmers did not negotiate in good faith, failed to allocate fault to other entities, and did not adequately support Gibson’s defense. Anderson’s complaint also stated that Farmers handled Gibson’s liability claims for indemnity and defense through adjusters and attorneys who were employees or agents of Farmers, despite alleged conflicts of interest.