As part of his training program, Esteban learned that if he wanted to be a good claims adjuster, he ought to document every interaction in a claim file. He eventually learned, however, that even if they were directly related to a claim, he was not expected to document his

$($Search Chapter $3)$

a$.$ handwritten notations.

b$.$ electronic communications.

c$.$ telephone conversations.

d$.$ thoughts.

Colossal Casualty retained attorney Virgie Peck to investigate the claim by James Gomez. Before the claim was resolved, Mr$.$ Gomez became impatient and instituted a bad faith action against Colossal. Virgie Peck is already familiar with the original claim. Why should Colossal use a separate law firm to defend the bad faith claim?

$($Search Chapter $3)$

a$.$ Colossal might lose one case but win the other or vice versa.

b$.$ Documents prepared in defending the bad faith action are more likely to be subject to discovery if Virgie Peck handles both issues.

c$.$ To save money

d$.$ Unlike defense costs associated with the original claim, legal expenses associated with the bad faith claim are not subject to policy limits$.$

Norma is making a bad$-$ faith claim against Colossal Casualty because Adam, a claims adjuster employed by Colossal, has supposedly been investigating her claim for $9$ months and still has not determined whether it will be paid. She believes this is an unreasonable delay. Assuming it is available in discovery, what will be the best source of evidence to support Norma's claim that Adam's actions were unreasonable?

$($Search Chapter $3)$

a$.$ A log of Norma's cell phone calls

b$.$ An underwriter's testimony as an expert witness

c$.$ Colossal's claim file

d$.$ Colossal's claims adjusters handbook