The Outcome: State Farm carried both the victim's underinsured motorist policy and the at-fault driver’s liability policy. Following the wreck, the underinsured motorist adjuster tendered the $50,000 policy limits, but the liability adjuster refused to do so. A lawsuit was promptly delivered. But the insurance company’s negligence didn’t end there. State Farm failed to hire legal representation and defend the lawsuit in a timely manner. That negligence caused a default judgment to be entered against the at-fault motorist. Finally, State Farm swiftly paid the $11.7 million settlement in response to an escalating time-sensitive demand sent by Yarborough Applegate founding partner David Yarborough.