Bad Faith of the Week

**Johnson v. State Farm Ins.** Cite: 2025 MT 194 Court: Montana Supreme Court Filed: 2025-09-02T00:00:00-07:00 URL: https://www.courtlistener.com/opinion/10664851/johnson-v-state-farm-ins/ third-party tortfeasor for less than their actual damages, without any compensation for attorney fees or costs, and for less than the third-party insurer’s coverage limits. Swanson, ¶ 9. The Swansons sued Hartford for a violation of the Unfair Claims Settlement Practices Act and the case was removed to federal court. Swanson, ¶ 10. The federal court certified the question to this Court: “Is it the public policy in Montana that an insured must be totally reimbursed for all losses as well as costs, including