In the zeronero's example, I would have let the matter go to court, get a judgment against Farmer's insured, then, in lieu of collecting on the judgment (you have to wonder why Farmer's didn't retain counsel for their own insured, at least to protect res judicata if there was a bodily injury claim later) get an assignment of rights from the Defendant and sue Farmer's for bad faith. Risky, but likely to pay off bigger than the small claims judgment.