FACTS: The underlying case involved an automobile accident that occurred in Louisiana. Danny Kelly and Henry Thomas were driving in opposite directions when Thomas turned left and struck Kelly. Both Kelly and a witness told police that Thomas had failed to yield to oncoming traffic, but Thomas claimed that he was not at fault. Kelly was taken to a hospital by ambulance and treated for a fractured femur. The cost of his medical care totaled $26,803.17. Thomas was insured by State Farm and his policy had a $25,000 limit.