Hensley v. Shelter Mutual Insurance Co., 210 S.W.3d 455 (Mo. Ct. App. 2007) was a Missouri court case which set out the legal test to demonstrate bad faith by an insurer. (n21). The plaintiff-respondent won against the defendant, successfully proving that the refusal to settle his property damage claim after a significant fire was vexatious. The case was discussed in professor Jay M. Feinman's book Delay, Deny, Defend.
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