Guaranty National Insurance v. Potter

*200OPINION

By the Court,

Steffen, C. J.:

The district court awarded Respondents Gerald and Valerie Potter $75,000 each in compensatory damages and $1,000,000 in punitive damages because of the manner in which appellant Guaranty National Insurance Company (“GNIC”) treated the Potters in connection with the payment for services involving independent medical examinations (“IMEs”). Under the insurance policy, the Potters were obligated to submit to an IME and GNIC was obligated to pay for the IME.

On appeal, GNIC argues that (1) a denial or delay in payment of a valid claim is an essential element for…