Confidential settlement against an insurer who failed to settle within its insured’s $15,000 policy limits with a young man who was seriously injured (incomplete paraplegia in a motorcycle accident caused by the insured. The young man sued the insured and obtained a $20 million verdict against him. The settlement was for both the insured (who sued for the financial and emotional damage he suffered as a result of the trial) and the injured young man, who jointly sued the insurance company for bad faith.”