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60 days action against insurer Acts alleged Allstate amended amount ance arbitrary and capricious attorney fees attorney's Auto automobile insurance automobile liability policy automobile policy award benefits bodily injury certiorari construed contract direct action statute disability driver duty to defend employee excluded coverage exclusion F.Supp failure to pay Farm Mut Federal Fire health and accident Indem Insurance 2778 Insurance 3360 Insurance 3375 Insurance 3542 insurance policy insurer's failure judgment La.App liability coverage liability insurer Liberty Mut Louisiana law ment motor vehicle named insured negligence omnibus clause owner party pay claim payment penalties and attorney person plaintiff policy provisions probable cause proof of loss refusal to pay rehearing denied rejection of coverage rejection of uninsured satisfactory proof statutory penalties subrogation suit surance sured motorist tender tion tort-feasor truck underinsured motorist unin uninsured motorist coverage uninsured motorist UM Westlaw writ denied writ granted writ refused